BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-11
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 submitted a complaint to the CFPB on XX/XX/XXXX complaint # XXXX. Within that letter I expressed that there was incorrect information on my credit report as a result of identity theft. The end result was a response from the Compliance Manager of XXXX XXXX XXXX, XXXX XXXX, verifying that the account was indeed fraud and that it would be removed from my credit report in 30 days. 
Fast forward nearly three years later, on XX/XX/XXXX, I received a disturbing phone call from XXXX XXXX XXXX stating that they were calling to collect a debt on behalf of XXXX XXXX XXXX. I told the XXXX XXXX XXXX representative that the account was fraudulent and that I will be contacting the CFPB. 
XXXX I received a copy of my credit report from three credit bureausXXXX XXXX  and Equifax  . On the Equifax credit report, I again see the fraudulent XXXX XXXX XXXX account. 
At this point, my rights have been violated. 
According to the law, U.S. Code 1681c2 - Block of information resulting from identity theft, both XXXX XXXX XXXX and Equifax failed to adhere. 
According to the law U.S. Code 1681 2- Congressional findings and statement of purpose, both Equifax and XXXX XXXX XXXX have damaged my credit worthiness, credit standing, credit capacity, character, and general reputation. Additionally, XXXX XXXX XXXX violated my right to privacy by relying my information without my consent, to XXXX XXXX XXXX. Thus too, placing XXXX XXXX XXXX in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I was in the process of changing banks and left my old bank account ( XXXX XXXX ) open since changes to my direct deposit setup were slow in going through. On XXXXXX/XX/XXXX I changed my Paypal preferred method to my new bank ( XXXX XXXX. I attempted to delete my XXXX XXXX  account from Paypal but it would not permit me to do so. I went on a trip that day for a conference in DC and used several XXXX. When I got home, I found out that Paypal had continued to send transactions through to XXXX XXXX  over the weekend, and was therefore overdrawn with overdraft fees for each transaction amounting to nearly {$400.00}. I sent Paypal a message and received an automated reply that they would respond to me within 24 hours. They did not contact me. I double checked that my preferred method of payment was saved as Chase. It was. I tried again to delete my XXXX XXXX account from my Paypal account and could not. I tried to close my Paypal account entirely, but the webpage was non-responsive. I went to my bank and asked them to forgive the late fees, and they agreed to take a little more than {$100.00} off. But by the end of the week, additional automatic transactions for subscription services were sent through, overdrawing me again by more than {$100.00}. I video recorded the problems I have had with the Paypal webpage, but  now I have lost over {$400.00} in overdraft fees because the webpage is unresponsive. Finally, I went into XXXX XXXX  and closed my accounts entirely. This morning I received notice from Paypal that they are still trying to send transactions through.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
There are 2 issues with XXXX XXXX XXXX XXXX : 1 ) I secured a deferment for account XXXX in XXXX of XX/XX/XXXXto ensure that i would be caught up and not 30 days late. However, looking at my report, it appears that i was dinged in XX/XX/XXXX for being 30 days late. This error needs to be corrected as my credit score is dinged because of this late mark.

2 ) Account XXXXXXXX is over 7 years and needs to be removed from the Adverse Accounts on my Credit Reports. The Date of First Delinquency on some credit reports is XX/XX/XXXX and others is XX/XX/XXXX. I can not find a complete list of payments for this account and believe a delinquency occurred earlier. Since XXXX XXXX hides the payment information, i can not find a complete picture on any credit monitoring system. The credit report data i have seen only goes toXX/XX/XXXX In order, to be able to manage my credit i need a complete picture of all payments - that is from XX/XX/XXXX thru 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 2023-08-24
Company: EQUIFAX, INC.
State: IL
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:
Multiple complaints have been filed with you highlighting your violations of my consumer rights. You have consistently denied and disregarded my complaints, despite having no evidence to support your position. You have also committed numerous acts of fraud against me. Attached to this letter is an Affidavit of Truth that details the violations of the FCRA that have been committed against me. These Bankruptcy accounts must be removed immediately from my consumer report/file ; otherwise, I will pursue you in federal court for these violations, as I have months of paper trail and deletions from the other consumer reporting agencies admitting the violations. This is the account : Bankruptcy XXXX  XXXX dischargedXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have been disputing Transunion, XXXX and XXXX for a year now. I have given them my police report & other supporting documents that I am an Identity theft Victim during the Pandemic & before. I had all my Gov. PUA benefits stolen. I have proven to them to take off accounts that were charged fraudulently or is not mine. I keep disputing and they disgaurd or will not let me download the proof. Transunion 's website to dispute you can not even download dispute because it always says error messages. I have had several health issues and anxiety panic attacks because of this. it has been a three year ordeal to dispute my credit reports and fix it without success. I have every right to have a good credit report so I can recover from my identity stolen.

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 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 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 2018-11-21
Company: 2288984 Ontario Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
This company has been harassing me on my mobile device and calling my place of employment, they have been threatening that a locator has been looking for me and they are trying to take me to jail because the loan was not paid off. The reps in which Ive spoken with today XX/XX/2018 were very rude and told me that the company WILL receive their money by any means. I am very disappointed that they are and have been harassing me like so. I asked the rep how much did i owe she gave two different amounts in which one amount i have no clue of. I asked about an installment plan but she was beyond demanding about receiving my funds after me telling her that Im unable to pay at this moment. Also i havent yet to receive anything in writing from this company demanding money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: MRS BPO, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I will NEVER pay it cause its not mines. MRSBPO keeps placing debt back on credit even though I have successfully proved its not mines and removed from bureaus. They keep adding it back without proving I owe it. They need to show proof they can collect in Texas too. They have been violating my FDCPA rights! I was affected by natural disaster COVID 19 too.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This complaint is regarding account XXXX XXXX, which you claim I opened a credit account on XX/XX/2013 for {$500.00}. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company.

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 2022-07-18
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: EQUIFAX, 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:
I sent a compliant ( XXXX ) on XX/XX/23 in reference to this account being reported to my consumer report without permissible purpose. Understanding that I've never provided my " written instructions '' to you or any furnisher to furnish anything to my consumer report, im demanding that you send me a description of the procedures used to determine the " verify '' this account pursuant to 15 USC 1681i ( a ) ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/XXXX, I opened an account with XXXX, account number XXXX, in response to a promotion at the store. The clerk at the store used an old address ( off my driver 's license ) to open the account instead of the correct address I wrote in handwriting on the application. When I called to close the account ( because I never received an actual card ), I was told that the statement was sent to the old address in XXXX and that they would send me a statement for the account balance of {$23.00} to my new address. The account was closed on XX/XX/XXXX, and I sent a check for {$23.00} for the account balance on XX/XX/XXXX. XXXX then sent me a new account statement for {$24.00} in late fees for a {$23.00} balance even though any late fee was attributable to their own mistake in issuing a card to an old address. They continue to mount late fees of 100 % interest each month. Please help. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-24
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed 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 EQUIFAX MTG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MTG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVI XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-18
Company: Resurgence Legal Group, PC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a credit card with XXXX bank and I went delinquent on the debt in XXXX cause I lost everything, which was my business and alot of my properties, my job in XXXX. this all happened when the economy went downhill. I was served with a judgement on this case but I was served with 2 judgements but on 2 different times, once in XXXX and once in XXXX. I have 2 judgements reporting on this case and the amount has increased by $ XXXX. I believe this debt was cancelled in XXXX by XXXX bank but last year in XXXX it was sold to a different collection agency by the name of Resurgence Legal Group XXXX  and they revived this judgement and now want to collect $ XXXX, when the original debt was $ XXXX. How is that possible? Can someone look into this because this doesnt make sense.

Company response to consumer: Closed with explanation