BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My XXXX XXXX credit card was paid off, XXXX balance in XXXX XXXX. XXXX. XXXX reported to the credit bureaus my acct was past. In XXXX XXXX, XXXX. XXXX reported the acct 90 days past due. In XX/XX/XXXX, XXXX XXXX reported they charged it off as a bad debt. The credit bureaus post this inaccurate information, failing to recognize it has a XXXX balance. I disputed the info to Transunion in XX/XX/XXXX, File no.XXXX. XXXX. XXXX responded to Transunion acknowledging the account was paid off in XXXX XXXX. Eight months later, XXXX. XXXX still has not contacted the credit bureaus and acknowledge their error. The erroneous info is still on my credit report and has caused my credit rating to fall by 50 points and my credit limit to decreased on my XXXX card. This inaccurate will remain on my credit report for seven years. XXXX. XXXX has knowingly and purposely caused negative affects to 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 2023-05-05
Company: Experian Information Solutions Inc.
State: MD
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, CXXXX XXXX XXXX  on accounts XXXX, has violated my rights. 


15 U.S.C 1681 Sec. 602 A. states that I have a right to privacy.

15 U.S.C 1681 Sec. 604 A Section 2 : Also states that a consumer reporting agency can not furnish an 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 2016-03-10
Company: HCFS Healthcare Financial Services of TeamHealth
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
this account is a result of my identity being stolen I havnt authorized the use of my personal information regarding this account # fior ars account resolution # XXXX this is being fraudulently reported to the credit bureus and being held by your company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
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:
On XX/XX/2018 I submitted a debt validation letter to XXXX XXXX XXXX for account ending in XXXX. This account has been reporting as negative on my report and I have disputed it also with the individual credit bureaus. The credit bureaus advised me to dispute this information directly with XXXX XXXX, and I did so by sending a debt validation letter which I have attached here. I sent the letter certified mail on XX/XX/2018, ad since that date the item has not been removed from my credit report and XXXX XXXX credit has failed to provide any validation of debt as requested. I have attached a copy of the company 's response which basically advises me that if I disagree with their failure to provide validation. I should contact the credit bureau to submit a dispute with them directly. I have sent debt validation request to the credit bureaus as well as directly to XXXX XXXX XXXX, with no resolution. Each company passing responsibility on to the other while they continue to report false negative information on my credit report. I have not applied for any credit with XXXX XXXX XXXX, and they can not produce any application with my correct name, address, or social because no such application exists. I am filing this complaint to resolve this situation before I am forced to pursue legal action against the credit bureaus as well as XXXX XXXX XXXX for violating my rights as a consumer.

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 2018-09-30
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:
On XX/XX/2018 I submitted a debt validation letter to XXXX XXXX XXXX for account ending in XXXX. This account has been reporting as negative on my report and I have disputed it also with the individual credit bureaus. The credit bureaus advised me to dispute this information directly with XXXX XXXX, and I did so by sending a debt validation letter which I have attached here. I sent the letter certified mail on XX/XX/2018, ad since that date the item has not been removed from my credit report and XXXX XXXX credit has failed to provide any validation of debt as requested. I have attached a copy of the company 's response which basically advises me that if I disagree with their failure to provide validation. I should contact the credit bureau to submit a dispute with them directly. I have sent debt validation request to the credit bureaus as well as directly to XXXX XXXX XXXX, with no resolution. Each company passing responsibility on to the other while they continue to report false negative information on my credit report. I have not applied for any credit with XXXX XXXX XXXX, and they can not produce any application with my correct name, address, or social because no such application exists. I am filing this complaint to resolve this situation before I am forced to pursue legal action against the credit bureaus as well as XXXX XXXX XXXX for violating my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Experian Information Solutions Inc.
State: NC
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 Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 2021-06-07
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for days but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: CARRINGTON MORTGAGE SERVICES, LLC
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: Account status incorrect

Complaint:
Called Carrington Mortgage spoke to 2 managers sent DM on XXXX on XX/XX/18. Credit report shows missed XX/XX/2018 payment, payment was made on XX/XX/2018 not the first time reporting incorrect information, their process is to file dispute wait 30 days. This seems to be a reoccurring problem

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Fidelity National Information Services, Inc. (FNIS)
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 have been incarcerated for 5 years and someone use my identity to apply for credit, heres a list of unauthorized inquiries on my credit report that i wish to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All the above inquiries is unauthorized and should be disputed from my ChexSystem Report and all 3 Credit Bureaus XXXX XXXX And XXXX Under the laws of the ( FCRA ) ( 15 USC 1681-1681u ) these unauthorized inquiries and accounts must be removed please

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 2021-06-07
Company: CITIBANK, N.A.
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 are a couple of accounts that does not belong to me and i want to remove them. See bellow the list : 1. Identity Theft CITIBANKNA Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft CITIBANKNA Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine.

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 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-03-27
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:
all FCRA violations I dont not have all this : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, LA XXXX MULTIFAMILY Never lived

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 2021-01-25
Company: Experian Information Solutions Inc.
State: PA
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 recently checked my credit report and noticed several late payments from XXXX XXXX. I reached out to the creditor to request a goodwill forgiveness.

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 2018-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I was scammed by an online scammer for {$600.00}. He tried to convince me to pay him {$600.00} through BOA XXXX service. A few minutes after I submitted the transaction using BOA mobile app, I realized that I was scammed as I searched the scammers information on XXXX. I started to contact BOA immediately to seek help and got nothing but frustration in return. 
First of all, it is around XXXX XXXX time, I could not find any telephone custom support from BOA since they end at XXXX eastern time. I searched for hours until I have to call BOA credit card department. After waiting for more than 30 mins, eventually the custom representative told me I can still call the next day to cancel the transfer or file a dispute to get my money back. But I have to contact XXXX first. 
With high hopes, I slept for a few hours and woke up XXXX on XX/XX/XXXX because the XXXX online custom service opens at XXXX XXXX XXXX. I was told by XXXX that I have to contact BOA as they are the bank initiated the transfer. I had to call BOA and waited for another half hour. I was then transferred to fraudulent department who then transferred me to move-money department. After more than 1 hour since I started calling BOA, XXXX department representative told me that I will not be able to get my money back unless the scammer gives back the money willingly. After about half hour frustrating talk, I asked to talk to higher-tier representative. He just hung up on me. I had to call BOA again and waited another half an hour to be transferred to high-tier manager, who in the end confirmed explicitly with me that they can not do anything unless the scammer agrees to return the money willingly. BOA will simply transfer the responsibility to XXXX XXXX for them to contact the scammer. 
Based on the internet search, the same scammer uses BOA XXXX XXXX holes, and the unwillingness of BOA to protect its own customers, for more than 2 years without any action from BOA. 
I fully admit that it is my fault and misjudgment to submit the transfer and trust the scammer. However, the handling of the case from BOA is completely unacceptable to me. As a custom of BOA for more than 10 years and stock shareholder, the ignorance from BOA by providing such a vulnerable service, so susceptible to fraudulent transaction, without any protection to its own customers for years, makes me feel frustrated and infuriated. 
My case number is 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 2023-01-04
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2015-09-30
Company: ENOVA INTERNATIONAL, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving phone calls from a company called CNU and the representative is XXXX XXXX. I believe it is a debt collector, but they will not explain the issue in the voicemail. This company continues to call EVERY day of the week and they will call my work phone twice before calling my cell phone. I do n't know if this is even a debt that belongs to me, but I would prefer a letter in the mail and it be my option to contact them. I do NOT need them harassing me at my job everyday or on my cell. It is embarrassing and annoying. This has been continuous for the past two months XXXX or longer ) ; enough is enough.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/XXXX {$29.00} retuned payment fee. ( Said account was closed ) Account is not closed. I made 3 more payments from that account. 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 2023-07-10
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-05-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
My new boss sends me a Cashiers check Monday XX/XX/XXXX telling me to deposit in my account. I deposited the check and she was very suspicious about it, asking me if imthe check cleared every 5 minutes. I called Chase bank customer service and spoke with a person in XXXX to double check that everything was right with the check. My understanding is that if something is wrong with the check, the bank is the only entity that can tell me whats going on. I tell her the story and that I thought it was a fake check and she said youre fine cause the check cleared and it was a cashiers check. In order to have one of those you have to pay cash so youre fine that was at XXXX Tuesday morning. At XXXX my boss tells me to withdraw XXXX and deposited in a XXXX XXXX account to pay for some bills, since the bank told me that everything was fine I did it and I said to myself youre probably overreacting, the bank already told you that it was fine after that she asked the for a {$200.00} XXXX XXXX and I sent it as well. By XXXX my account was negative {$3400.00} ( the amount of the check was {$3900.00} ) I called my boss and she blocked me. When I called the bank they told me that it was my fault that I should be more careful next time. I filled a complaint at the police department and called the Chae complaint department yesterday and honestly, no one really helped.The last person told me I was a scam victim and that she was sorry for the misunderstanding with the customer service rep but I needed to pay that amount by XX/XX/XXXX cause after that a debt collector was going to contact me. In conclusion, I called the bank before doing everything else, the rep told me that it was okay. When it comes to my Chase account I only trust Chase customer service. I dont work for them, they should know better!! I need them to find that conversation and deal with the situation. A miscommunication in that magnitude ruined my life basically. Now I owe almost {$4000.00} that obviously I dont have just because I trusted a Chase customer representative that didnt know what she was saying/ doing. Im really disappointed and a little scared of the situation. And at this point I believe theyre not going to help me get to the bottom of this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-11
Company: Resurgent Capital Services L.P.
State: AR
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:
2 COLLECTORS ARE ON MY CREDIT REPORTS, CEASE AND DESIST COLLECTIONS OR BE SUED

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I XXXX XXXX have been receiving notices to collect a debt that has long passed the time limitation to enforce in the Commonwealth of Massachusetts. The collection letter itself states that the account is too old to take a court action. The credit trade line has already been removed from my credit reports across the board. So why is a national collection agency still in possession of my personal information? I demand that my personal information be purged by Portfolio Recovery Associates. The Federal Trade Commission needs to take action against this egregious action procured by the debt collector. I demand a letter stating that my file has been purged. I have attached copies of FTC actions against debt collectors in the past for doing this type of illegal activity. PRA needs to purge my file permanently!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
HIPAA violation no knowledge inaccurate medical bill collections on my Experience credit report. FTC ID Theft Report # 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