BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-03
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX IS SHOWING A CLOSE ACCT WITH LATE PAYMENTS. I HAVE NEVER BEEN ON MY ACCOUNT WITH THEM. I WOULD LIKE TO RECEIVE A VALIDATION ON DEBT FOR THIS 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 non-monetary relief
Consumer complaint received 2023-06-10
Company: EQUIFAX, 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:
Experians dispute results : Report Number XXXX, on XXXX verified and validated that the day of first delinquency was XX/XX/XXXX for my XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Equifax XXXX FILE : XX/XX/XXXX Confirmation # XXXX, verified and validated that my XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX re-aging the account by reporting the incorrect date of first delinquency. 

Now XXXX years later they have move up the day of first delinquency to XX/XX/XXXX. This is incorrect information and both credit reporting agencies and XXXX XXXX Bank refused to investigate properly and correct the erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: WI
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2020-06-02
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX is incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. Experian is reporting that I am ( 30 ) days late on this account as well. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and the late being reporting by Experian is also harming my credit score. These line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am filing this grievance as I monitor my credit and was alerted to a collection reporting from I.C System , Inc. Account number XXXX, that has dropped my scores significantly. Ive received no phone calls or communication via USPS mail to confirm this debt is mine or valid. Due to this I did not obtain the full statuatory period that would have allowed me to dispute the validity of the debt prior to it updating with the credit bureaus. If I had, the collector would have been advised that this debt is time barred and needs to be removed post haste due to misleading and erroneous collection practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Bread Financial Holdings, Inc.
State: GA
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:
I have a loan with CBXXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and CBXXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My paypal has been permanently limited one day without an explanation from paypal, but they told me that the funds on my paypal account can be transferred to my bank account fot withdraw after 180days. Even though Paypal can not do business with me anymore, but I wont have loss if I can get the money out from my account someday, however, I noticed a total amount of $ XXXXUSD was transferred to PAYPAL by paypal on XX/XX/2020 without my authorization and even didnt send me any notification, I wont know it if I dont check my account and the recent activity. I was trying to get help from them, I got nothing but disappointment. Thus, I prefer to I file a report to CFPB to get this issue resolved, the email for my paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: EQUIFAX, INC.
State: TN
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 am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
on or about XX/XX/2019 I opened a checking account with USAA bank account ending XXXX and issued a ATM card ending XXXX. I was unable to activate the ATM card or use the checking account in anyway. I used a electronic check to open the account in the amount of XXXX from my checking account with XXXX XXXX which paid check on XX/XX/19. USAA tried to connect the two accounts which I refused twice and then I was later told that my new account with USAA was blocked and I had no access to it or my deposit. I was told that USAA no longer wanted to do business with me and account was under review. I told USAA I felt the same way and thought that they were crooks and not a bank only wishing to sell be there insurance products and control my funds thru a central location and fleece my funds with there products and services. I told them I wanted funds returned and their scam account closed. I was promised a refund within two weeks which never happened and still haven`t received my funds over 40 days later or information when I would receive my money. I`ve been robbed by USAA for not being stupid and had to change my account info on my XXXX XXXX to protect myself.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In need of some help! I believe I have a freeze on my account. I'm not sure as to what is going on. As of right now I am un able to obtain a saving or checking account. I cant get financing for a vehicle or can't apply for a credit card. It is very imperative that I open an checking or saving for Social Security payments. Please Help Me Fix This ASAP! 

Also, If it is not a freeze please point me in the right direction on how to fix the problem. 

My name is XXXX XXXX XXXX. 

Thank you in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: Resurgent Capital Services L.P.
State: PA
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:
Resurgent Capital Services keeps calling at all times about a debt that is not valid under different names XXXX XXXX/ Resurgent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Hello CFPB, I, XXXX XXXX is looking for your help because this is not fair to me. The fact is I have a XXXX  XXXX credit card and this was my first time saw the credit report through XXXX  XXXX website they offer the credit report for free of charge so I reviewed my credit report and I saw information is not correct that means I have never done with the Federal Loan. I have attached document for your review and I look forward to receiving your response soon. 
Below my contact information XXXX phone ( XXXX ) XXXX - XXXX Thank you. 

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 2020-07-22
Company: PENTAGON FEDERAL CREDIT UNION
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
ON OR BEFORE XX/XX/2020 I USED MY CHECKING ACCT ENDING IN:XXXX, AND BOUGHT ME A 2015 XXXX XXXX XXXX ( BLACK & RED ). WITH MY MEMBERSHIP # XXXX MY COST WAS BEAUTIFUL, XXXX DEALER NAME WAS XXXX NICE FELLOW ( XXXX MAN ) AND I NEVER SPOKE WITH HIM AGAIN.PENTAGON FEDERAL CREDIT UNION HAS DISCRIMMINATED AGAINST ME THEY SENT MY RETIREMENT DISABILITY INSURANCE BACK TO THE SOCIAL SECURITY ADMINISTRATION, ( 2 )  WITHOUT TELLING ME AND I OPENED UP THIS ACCOUNT ON:XX/XX/2020 AND SOCIAL SECURITY JUST RECIEVED MY RETURED CHECKS. AND I HAVE A BILL OF SALE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Experian Information Solutions 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:
Ive been a victim of identity theft ...

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 2018-04-18
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XXXX XXXX XXXX XXXX has refused to reissue my rewards check. In XX/XX/XXXX, the company issued me my rewards check that would expire in XX/XX/XXXX. These checks must be cashed within their XXXX XXXX XXXX  stores. I was deployed at the time and contacted the company on XX/XX/XXXX, well before XX/XX/XXXX, and stated that I was overseas and would be unable to cash the check. They stated that it would not be an issue and would reissue me a check with special circumstances when I returned stateside in XX/XX/XXXX and that I'd be able to cash it then. The individual received supervisor 's approval and noted the account. When I arrived back home, I called customer service in XX/XX/XXXX and they stated they would resend the check and it should arrive around the same time as my XX/XX/XXXX rewards check. My XX/XX/XXXX rewards check arrived in XX/XX/XXXX and it did not include the one from XX/XX/XXXX. I called the company in XX/XX/XXXXand they stated there was nothing they could do and could not reissue my check, despite telling me twice they would resend the check. The amount of the check was {$500.00}

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 2020-12-13
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have informed XXXX XXXX to stop contacting me during hours after XXXX and beforeXXXX XXXX. I have received at lease 20 called even after I told them on the phone to stop contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: NY
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:
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 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 and XXXX XXXX XXXX do not have a legal business license to collect anything from new york state

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 2022-11-18
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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CRE XXXX XXXX XXXX FEDERAL XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX AUTO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS XXXX XXXX BK XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states 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 2019-06-03
Company: I.C. System, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX shows on XXXX. It is the amount of {$220.00}. I called them. Agent said there is no record in their system of this charge. Supposedly it was established in XXXX. The address was my deceased Mother 's address who passed in XXXX. I have never used a pest control service. I need this to be removed from my credit. According to her none of this was in her system. Thank you.

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 2019-06-03
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX is reporting an account from XXXX XXXX on my credit report. I would like to request a validation of debt on this 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 explanation
Consumer complaint received 2019-06-03
Company: Experian Information Solutions Inc.
State: TN
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 am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: EQUIFAX, INC.
State: CA
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:
I filed a dispute with Equifax on XXXXXXXX. Equifax confirmation # XXXX. The disputed was filed against XXXX account # XXXX and XXXX account # XXXX. I clearly stated in my dispute that I have never had a medical bill with the original creditor XXXX XXXX XXXX XXXX. I submitted over a copy of my complete medical insurance information for the months and day in questioned. On XXXX XXXX responded back to my dispute and verified that all information attached to this account is correct. They lied. The name XXXX  has on file is XXXX XXXX and that is not my name, the address they have on file is XXXX XXXX XXXX XXXX XXXX XXXX, NV and I have never lived at that address. I contacted XXXX XXXXXXXX XXXX. They provided me a copy of the bill in questioned. The original account # XXXX, statement date XXXXXXXX, amount due {$0.00}. This came direct from XXXX XXXX XXXX billing portal. I was also informed that they are not trying to collect on this bill. They adjusted the bill due to fraud so the amount due is XXXX. I provided both XXXX and Equifax this information and XXXX  is still trying to fraudulently collect on a paid bill. Equifax has not properly investigated my dispute and they are allowing a company to validate a debt that has multiple inconsistencies. Equifax has allowed XXXX to reconfirm erroneous information reported by them on my credit file. I have attached a copy of the paid bill showing a zero balance with the matching account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Stephen L. Bruce, P.C.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My Mother-in-law passed in XXXX. She left my wife her childhood home. The company renewed the lien for a XXXX XXXX  balance of a XXXX XXXX XXXX XXXX XXXX XXXX. We contacted the debtor and they refused to talk or work with us as they knew the house was being sold. They told my wife that they do not negotiate on real estate properties period. We were charged over XXXX XXXX for the deceased partys debt that had nothing to do with us.

Company response to consumer: Closed with explanation