BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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 third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXXXXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07
Company: Experian Information Solutions 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 my name is XXXX XXXX I have several items on my credit report that are not mine. I noticed it because I recently applied for an apartment and I was denied so it prompt me to check my credit report. I have reached out to the FTC and to my local police department. These items listed are not mine and need to be deleted from my credit report. I am doing this on my own behalf. XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, Inquiries : XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX AND XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2023-08-18
Company: Paypal Holdings, Inc
State: AL
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 sent an email stating that my account was being restricted due to inactivity. The email and letter both stated that I would not be able to either remove bank, credit or debit cards or close the account. Honestly, I thought the email was a scam until I logged into my account. 

I am not able to use the account and yet I can not remove Paypal 's access to my bank savings account and I can not close the account. Repeated calls to Paypal 's customer service are just as circular in logic as the email - can not use the account nor remove access to my bank account nor close the account. 

My fear is that someone will eventually be able to extract money from my bank savings account without my authorization. It is highly likely Paypal would not take responsibility for the unauthorized transaction in that event.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I recently verified my latest credit report and I noticed that there are unauthorized inquiries reporting fruadulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to consuct these inquiries without my permission or knowledge. The following inqquiries were incurred due to fraudulent charges, which means I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS INQUIRIES : TRANSUNION : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
The existing problem with these consumer reporting agencies is still not resolved. I still have incorrect information reporting 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 non-monetary relief
Consumer complaint received 2023-10-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I want these address removed from my XXXX, XXXX, and equafax credit reports immediately. 15.U.S.C-1602 unauthorized use. According to the FCRA, these unidentified and unauthorized items must be removed. 

XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I would like to keep this personal information only XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11
Company: Blakely-Witt and Associates, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The collections amount shown on my credit report is incorrect. The judgement amount owed by me to XXXX XXXX XXXX ( XXXX XXXX XXXX & Blakely & Witt ) is only {$2200.00}. Yet, they instead reported to all 3 credit bureaus the amount of {$5200.00} double the judgement amount against me. This collections record is for an apartment eviction. Because of my inability to pay such a large amount I have been living in hotels and in some cases had to sleep in my car because no apartment is interested in taking me as a tenant because of this falsified record. This has effected my way of life and well being.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
There are 3 companies involved complaints neamely : Monterey Collection Service, XXXX and XXXX XXXX, XXXX XXXX XXXX in XXXX, XXXX. My wife and I went there for a short vacation in our XXXX XXXX and on our last day, we went around some shopping center for some last minute shopping before our flight the next day, when one XXXX  looking guy smile and approached asking if we are from the U.S. visiting and we said yes. He asked where we are staying and told us that there is a new resort being develop in XXXX which he said to be much better than what we have and said that if we will not be interested we can always say no and no force representation or selling will be made. That was in last week of XXXX in XXXX. 
Upon learning that it's another time share, we hesitated and requested to get us back to our hotel but they said it will just take a short time and they will take us back, but to no avail we were there for almost 5 hours even if we keep on declining their sales offer, when the said owner manager, XXXX XXXX came and talked to us. We were at the point where we taught that we are being held hostage if we don't comply even if they told us to initial some sales document while signing it in duress but i told them to sign an agreement that they will cancel our existing timeshare with XXXX for us to transfer with them, and they agree, being witness by one of their representative which i have a copy. 
After signing the contract and were able to get a down payment using our credit card from XXXX, they let us go and when we get back to the US, few days after, they told us that they were not able to cancel our agreement contract with XXXX, but the monthly payment for the contract continue even after i advise XXXX credit card to put a stop payment of this account in XXXX of XXXX. Then here comes Monterey collection saying that they are taking charge of collection for XXXX XXXX XXXX XXXX, even I them that in the contract that we signed can only be enforced in XXXX. They have been bombarded us with calls and threats and i want this to stop. About XXXX account i already have the account close but when i referred to them the computer generated billing that they say " cant do anything about it '' because they don't know how to take it out of the system. Now they send me a letter discounting the generated amount if i want to settle, but i refused. Now they are trying to ruin our credit because of this. 
Thank you for taking the time to looking at this complain

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07
Company: TRANSUNION INTERMEDIATE 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:
AFTER REVIEWING MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT HAS BEEN AFFECTING MY CREDIT SCORE. THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT FILE ; I WOULD LIKE A RE-INVESTIGATION INTO THOSE ACCOUNTS AND HAVE THEM OFF 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 2023-07-21
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage loan was paid in full on XX/XX/XXXX. Mortgage servicer website shows the paid in full amounts, and amount of funds paid. Paid in Full letter was sent on XX/XX/XXXX. XXXX Balance Letter was issued on XX/XX/XXXXXXXX It also shows an escrow balance of {$1200.00}. 

Mortgage holder states there is no balance in escrow, and that escrow funds went towards payoff amount, which does not match with the amount of funds sent to them, nor their own paperwork. 

Select Portfolio Servicing customer service is stating that I have no balance in my escrow account and no funds are due, while the customer dashboard and payoff letters directly contradict this statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, 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:
I do not recognize the account I have never agree, signed or authorized to open an account or even to inquire debt with the creator. The account is fraudulent or reported incorrectly on my credit report. I have file a Identity theft and attached it. Please investigate and once is confirm that the transaction is not mine, remove it from my credit report. 
XXXXl XXXX account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Bank of America has opened an account in my name without my permission. Ive asked them to close it and they insist on me giving them my social security number- I REFUSE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: GA
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:
It has come to my attention that although I have written several letters asking for validation of debt, permissible purpose letter, audit trails for validation of debt and inquiries I have not received any response because of the automated system you have in place which is in fact a violation as well. 

I am afraid these 3 credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality and a respect for the consumers privacy, I did not give consent to these accounts. 

I have remained humbled despite the stress, abuse, and harm these 3 credit reporting agencies have done to me.

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 2022-11-09
Company: Experian Information Solutions Inc.
State: PA
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2023-10-15
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX reported account with balance which is incorrect-it should read as a zero balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account. 2. there is some inaccurate information reporting. XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 3. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 5. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 9. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA 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 non-monetary relief
Consumer complaint received 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX, am requested an investigation regarding method of verification item on my credit file that where being reported illegally, on XX/XX/XXXX I received a letter from you regarding investigation results the was verified as accurate. This concern me as I do not understand the reason that information still in my credit report. i request the Transunion provide a full disclosure of a Method of Verification. This request was made under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier request under FCRA 611 ( a ) filed, XXXX XXXX XXXX DL XXXX ). 

Base on that I was contacted on XX/XX/XXXX, to be inform about whos provide the public information and your consumer center agent said was inform by XXXX XXXX XXXX, have already contacted him and he sent to me the letter of I attached on this present letter. 

To be more specific, base on FCRA 611 ( a ) ( 2 ) ( b ), you were required to forward all the relevant information I provided by you to the creditor for their investigation of base in my request. The procedures for verifying records with the credit reporting agencies as Bankruptcy Court are not collection agency nor report any information to the credit reporting agencies. My lawyer XXXX XXXX XXXX said have no sent or submitted to any credit agency any information regarding this client based on that I request a method of verification. 

Whos Provide or verify de Information.

Date and Time Address Phone Number Person or Employee name Please provide me with all the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Stating that you have verified the information with the court. I contacted the court and their response in enclosed. It is clear they do not report to your or to any credit bureau for that matter ; therefore, your original response verifying the item with the court was either an error or lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. 

I called back tranunion and they informed me was a third party name XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX phone ( XXXX ) XXXX am already contact by phone the followed company they took my information to call me back and XXXX week later never happen they don't call me. 

I think Transunion and XXXX XXXX XXXX violating my consumer rights. 

Sincerely, XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX . 
XXXX, OH 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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 non-monetary relief
Consumer complaint received 2023-07-16
Company: Paypal Holdings, Inc
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have transferred money into my Venmo account now four times and the money is being held for no reason. I have attempted to resolve via chat and to no avail. I have paid fees to have it " instantly transferred '' and Venmo is holding it.

Company response to consumer: Closed with explanation