BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: MT
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/2022 Balance : {$320.00}. Please delete ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: UT
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:
Equifax refuse to remove unauthorized inquires on my credit report which I didn't unauthorize. Equifax states that they request, the company to send Equifax a response to my dispute and update their records and systems as necessary. Equifax hasn't sent me any proof of verification this accuracy. Equifax has sent me an email stating their systems has been breached but yet tells me their information is correct, The company states when the reporting company replies to Equifax they certify that they have followed Equifax instructions and the law. I request Equifax to provide proof that I applied for any of these unauthorized inquires on my credit report. Please verify the following XX/XX/XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have fraud alert and and froze my credit report after I have been informed by my bank of these inquires. I don't understand how Equifax states it's been breached but yet tells a consumer that their information is correct. Which in fact it's not accurate! this is fraud period and unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: NV
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 inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-21
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
A company is trying to get me to pay XXXX dollars that they claimed is from a doctor I went to in the past however I checked my account with my doctors office and I do not have that balance. They even add it to my credit report and now my credit is drop drastically.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I worked with Synchrony Bank to pay off my balance almost a month ago and would like to have this removed from my credit history. I would like to get married to my partner and also, buy a house in the future, and this is impacting my future.

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 2023-03-22
Company: Paypal Holdings, Inc
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX money transfer good and service. XXXX XXXX XXXX on XXXX &, XXXX filed a charge back for {$300.00}. On same day paypal charge me XXXX. I made many attempts to contact XXXX XXXX by mail and DM with no response.meanwhile I had fork out XXXX to clear my paypal account. 

I was told it would be 75 DAYS to hear back from his bank by then paypal would take care of it. The issue is I paid it and paypal received information back in XXXX XXXX. State the following : " After reviewing the info we received, we were unable to cover this payment and have debited {$200.00} USD from your PayPal balance. Well attempt to recover this amount from the buyers financial institution. If were able to recover the payment, the money will be credited back to your balance. It could take up to 75 days for us to get a resolution. '' XX/XX/XXXX I spoke with manager from paypal. I explain everything told today is 75th day to see if they close the matter but now they are saying other 180 days. I need it close so I can take legal action by it open there saying possible money will to be return to me from court point of view. I already paid it so should be close matter and bank already advise paypal in matter in XX/XX/XXXX. Secondly, does not take 75 days nor 180 days complete a chargeback. Any assistance in this matter would be helpfully. 
regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: DAS Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Unexpected or other fees

Complaint:
Collectrix put a lien on my property because they said I owed a debt. I am not the person listed on the documents that they claim the debt is owed. I received the Judgement Lien and spoke to their representative who was very unprofessional and rude. After this, I sent them an email. Their date of entry of judgment was on XX/XX/XXXX and their declaration and date of notice were executed on XX/XX/XXXX. The statute of limitation is 10 years. The amount that the judgment is, is {$16000.00} + XXXX per day + collection cost. On XX/XX/XXXX and today on XX/XX/XXXX I emailed them a statement and their responses are asking me for personal information that is not needed, especially when they are sending documents and placing liens on property that is not even valid, as I am not the person who they should be sending a judgment to.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: KY
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 2nd 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 complaining about have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX : {$240.00} Bankruptcy XXXX XXXX Filed on XXXX XXXX Reference number : XXXX XXXX : XXXX XXXX XXXX KY XXXX Bankruptcy : XXXX XXXX XXXX on XX/XX/XXXX Reference number : XXXX Court : XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiredon XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXInquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXInquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXInquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired onFeb XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXXInquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on items are DELETED from other bureaus and I have doubts about their accuracy the reported payment history on items are a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XXXXXXXX Balance : {$410.00}

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 non-monetary relief
Consumer complaint received 2023-09-13
Company: ALLY FINANCIAL INC.
State: TN
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 had a lease with Ally Financial. No payment of mine was ever late. I purchased a new vehicle in XXXX XXXX XXXX and the car dealership sent the payoff to Ally. There was a termination fee that I owed which I chose to pay in an extended payment plan that was offered to me by Ally since I didn't have all of that money up front. I made all XXXX agreed upon payments. The account was reported to XXXX and XXXX as " paid in full/as agreed, closed '' but was reported to XXXX as XXXX paid in settlement ''. I have opened disputes with Ally and XXXX after more than XXXX phone calls between both companies. Both disputes were closed but no changes were made despite documentation and proof given. Ally provided a paid in full letter that I gave to XXXX but they didn't update the account to " paid in full '' as requested. They left it as " paid in settlement '' and closed the dispute. My score has dropped XXXX points from this mess.

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 2023-06-26
Company: Experian Information Solutions Inc.
State: IN
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 submitting my complain for you to know that the three credit bureaus never update me to give me a feedbacks of my report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity. Be sure to present facts that these items being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to three Credit Bureaus but they failed to give me any results or feedbacks about this concern. These mentioned items should be remove immediately : XXXX XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I NEVER GAVE MY WRITTEN CONSENT TO PULL MY CREDIT FROM THE LIST PROVIDED BLOW. 

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 2023-05-20
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
I recently got my account suspended for no good reason on this company I did a transact of XXXX ( {$5000.00} ) with a friend in the USA in exchange of wire in USD which was successful but a weeks a later I got my account suspended

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Persolve, LLC - Legal - Series 2
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted persolve legal group back in 2022 to settle an auto loan debt. I worked with XXXX XXXX and made my payments directly through her totaling {$10000.00}. I was told that I would get a pay for delete. The debt has been settled a year now. I was given a notarized satisfaction saying debt has been settled in full. Persolve legal group never removed it from my credit as promised and is also saying I still owe {$6000.00} on the debt. I have filed several disputes as well as contacted XXXX XXXX several times with no resolve. XXXX was XXXX in the way she treated me. Once the debt was paid she stopped answering calls and e-mails as well. The credit bureaus are advising it is nothing they can do as the persolve is advising I still owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Kriya Capital, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022, I received a letter from a debt collector about an unpaid balance from XXXX XXXX XXXX for {$130.00}. I responded within a few days asking for verification of debt which is my legal rights. I asked for a few verifications items which I never received. I asked for proof to show I agreed to pay what they say I owe ; when was the account purchased from alleged debtor, I asked for the company to prove the Statute of Limitations has not expired on this account ; I asked for license and registred agent ; and I asked to show me they are licensed to collect in my state. 

The company did not respond with any requested information, except a bill with my name. On XX/XX/2022. I responded by XXXX to Credence Resource Management that the account did not belong to me and they would have XXXX  days to prove it was my account, and not fraud. The company never responded. 

I also stated : " If your offices can provide the proper documentation as requested in the following Declaration, I will require at least XXXX days to investigate this information and during such time all collection activity must cease and desist. 

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. 

If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. '' On XX/XX/2022, I received an alert about a negative mark on my credit from Credence Resource Management. 

This is clearly a violation of the Fair Credit Reporting Act, a violation of the Fair Debt Collection Practices Act, and defamation of character. I can legally bring suit for this violation and I am giving the company time to reconcile the wrongdoings before it causes any financial harm to my good name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2022, received text and phone call from Wells Fargo regarding a wire transfer initiated for the amount of {$22000.00}. This was not authorized by myself or anyone else authorized by me. I advised the same to Wells Fargo and told them not to send the funds. We are later advised by Wells Fargo that it was not them on the phone and they contacted the receiving bank ( XXXXXXXX XXXX XXXX and the funds were no longer available. Proper steps taken to file a police report. Claim filed with Wells Fargo to recover the funds. Wells Fargo denies to refund the funds stating my user name and password were used to initiate the wire. In futher communications with Wells Fargo they advised they would refund the funds if I can prove it was not myself or someone else I authorized authorized the wire. they said as long as I can confirm my phone was compromised they would refund the funds. I have since supplied call history and a letter from my cell phone provider confirming my phone was compromised and all my calls and messages were sent to a fraudulent phone number. We have also supplied a verification letter from our local police confirming the same. To date, Wells Fargo has not agreed to refund the money despite confirming this was fraud. it is also our believe this may have been a breach of my user / pass information at wells fargo

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 2023-05-20
Company: Maximus Education, LLC dba Aidvantage
State: MS
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:
I paid off a loan with aid advantage for {$1900.00}. I received a receipt showing paid off. But they never updated with credit bureaus. I asked them to update. They closed the account then re opened the account showing a full balance still. I disputed with the credit bureaus and sent them pay off information and they are stating that my pay off receipt is insufficient and the credit company confirmed my balance was not paid off. I have bank records and receipts from loan company showing it was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have 3 accounts at fifth third bank and scammers from XXXX took over XXXX k over the last years out of accounts and bank is closing my account and not reimbursing any monies or charges. I was told I should have seen this in my online banking but me and my husband just assumed we were buying things, so this is the excuse they are using, my banker thinks it is wrong that they owe me.

Company response to consumer: Closed with explanation