BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: NV
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 have tried to no avail to work with XXXX XXXX XXXX I will attach proof to this complaint showing dates, bank information including reference numbers. I will also show additional complaints from the Consumer Affairs and BBB from other who have run into the same problem as I have with this company. 
I have been calling sending letter and getting zero assistance.

I am a XXXX XXXX whom was hacked which was investigated and is reflected on two of my credit reports. I am simply asking they provide the details of my payments and remove my late payments from my record with them. 

I am the founder of a local 501c3 that rescues wild mustangs and works with veterans to end suicide. our website is XX/XX/XXXX I provide alot of the services for the horses and veterans out my pocket and I need my credit report to ensure the ability to get the items needed. 

Please feel free to publicize this account as needed you have my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have tried to no avail to work with XXXX XXXX XXXX I will attach proof to this complaint showing dates, bank information including reference numbers. I will also show additional complaints from the Consumer Affairs and XXXX from other who have run into the same problem as I have with this company. 

I have been calling sending letter and getting zero assistance. 

I am a XXXX XXXX whom was hacked which was investigated and is reflected on two of my credit reports. I am simply asking they provide the details of my payments and remove my late payments from my record with them.

I am the founder of a local 501c3 that rescues wild mustangs and works with veterans to end suicide. our website is XXXX I provide alot of the services for the horses and veterans out my pocket and I need my credit report to ensure the ability to get the items needed. 

Please feel free to publicize this account as needed you have my permission

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 2023-01-14
Company: EQUIFAX, 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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2023-01-14
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Filed written dispute with MCM on XXXX. Received correspondence back from MCM stating that it is unclear what Im requesting. Attached is copy of letter identifying the documents that I requested. 

Moreover, attached is MCM correspondence letter I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I contacted an account under the name of " XXXX XXXX '' on XXXX on XX/XX/2023 to purchase a concert ticket to a XXXX and XXXX concert ( performing in XXXX on XX/XX/2023 ) for {XXXX The seller led me to believe that they were trustworthy and told me that they would transfer me the ticket on XXXX after I sent them the {XXXX} over Venmo. They asked that I send the money to their " sister '' on Venmo under the name XXXX XXXX, with account name XXXX XXXXXXXX. I sent the seller the money over Venmo, sent the XXXX user a picture of the confirmation, but I never received the ticket. The scammer blocked me on XXXX, deleted their XXXX account, and later deleted their Venmo account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-20
Company: Monterey Financial Services LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Monterey was taking money out of my bank account frauduently, I disputed with my bank and they paid me every dime taken from this company. I contacted them to let them know way before I disputed with the bank. They have been taking money out ever since august so I reached them to let them know, they said I had to call a company called XXXX, which I did, to let them know I don't have any products from them. 
Monterey rep called me on my business line and my personal phone asking me for payment, then they started emailing me about a debt twice and that I have 48 hours to respond ..... I sent them a cease and desist to stop. They then reported a late payment to my personal credit dropping my scores. 
This is a violation to report a fraudulent account on my consumer report 15usc1681b no permission to place on my consumer report. I submitted a FTC report as well to the 3 agencies. 
Where is the wet ink signature to validate this debt?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
My payment history is excellent and I have no derogatory accounts that I can see to fix on my credit reportIt all looks to be excellent. My accounts are over 30 yrs old and while my debt is over 30 %. Its still at just 42 %. I have a stable well-paying job. Yet my XXXX XXXX is so low ( and CONTINUES to be ) that I cant even get a consolidation loan to address the debt I DO have. My XXXX XXXX hovers below or just slightly above XXXXwhich is ridiculous with my excellent history. I used to have a XXXX XXXX of XXXX. I have NEVER filed for bankruptcy, yet i have a XXXX XXXX lower than those that have! This is negatively affecting my life and my kids lives. I may lose my job over this low scoreIf I do, Im suing.

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 2022-10-24
Company: EQUIFAX, INC.
State: CA
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:
n accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: P&B Capital Group, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To whom it may concern, I am writing to you regarding file # XXXX. I have received a notice from P & B LLC claiming that I owe them a debt. However, I demand that P & B LLC validate this debt under the Fair Debt Collection Practices Act. 

As a responsible citizen, it is my right to ensure the validity and accuracy of all my debts. Therefore, I request that P & B LLC provide me with all the necessary information to verify this debt, including the amount owed, the original creditor, and any other relevant details. 

Furthermore, I demand that P & B LLC immediately cease all collection activities until they have validated this debt. Per the Fair Debt Collection Practices Act, I understand that collection activities can only continue once the debt has been validated. 

I expect your prompt and respectful attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: Paypal Holdings, Inc
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Today I was in touch with PayPal. Im currently using an account XXXX, I asked if I could regain access to @ XXXX a PayPal account. The man suggested that I close the account. Then started giving me the run around. Ok My family owns PayPal from another life or from an obscene number of years ago I get life stipend I earn money Ive won money I own business Im constantly broke, I constantly rely financially on my mom. PayPal plays a game with me. Wheres my money. I just had a high balance disappear, I just opened a checking account and now its gone, etc they always act like they have no clue whats happened to my money. Im tired of being broke. I need a thourough investigation. Like PayPal wheres my mom and PayPal wont tell you, theyll only play around like they do me. My account statements never reflect whats happened or where my money has gone. Ive opened and closed many accounts, changed phone numbers, changed my email address. I cant recollect them. I ask them to merge accounts they claim they havent or cant. I need for all accounts to be discovered across PayPal platforms. I need access to my money. Problem : my phones are always digitally out of date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: DISCOVER BANK
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
as of XX/XX/XXXX i have noticed fraudelent accounts and inquiries on my credit report and consumer reports 15 U.S. code 1681c-2 a consumer reporting agency shall block the reporting of my information in this file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the receipt. 
Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$3300.00} {$3300.00} {$3300.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$5900.00} {$0.00} {$3300.00} Credit Limit : {$6000.00} {$6000.00} {$0.00} Past Due : {$3300.00} {$3300.00} {$3300.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. 
Charged off account Credit card Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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:
CFPB - I've reached out to the creditor XXXX requesting a copy of the 1099c form filed for the charged-off " Account XXXX ''. Attach you will find the certified letter mailed to XXXX requesting this document to provide to my CPA - as well as 2 phone calls made to the creditor requesting that they send this information over. I've have yet to receive the 1099c form. 

Because XXXX have not sent over the 1099c form as requested on three different occasions, I've come to the conclusion XXXX has/is committing " Tax Fraud XXXX and I plan to report this issue to the IRS if this account is not removed from my consumer report within 5 business days.

This account is a charge-off which is cancelled debt and because this a cancelled debt the creditor " HAD '' to file a 1099c form. Because a charge-off is cancelled debt this means this account is classified as taxable income- which taxable income should not be reported on my consumer report.

According to 15 us code 1681 a 1 The banking system is dependent upon fair and accurate credit report- ing . Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

This is " '' Inaccurate '' reporting and im requesting a deletion of this account from my consumer report ASAP.

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 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX ; XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/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 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
USAA closed my checking account on XX/XX/XXXX without any prior written notification via mail, email, or account notifications/documents within their website and app. I only realized the checking account was closed when it disappeared from my profile in their website on XX/XX/XXXX. When I called them they stated it was because I had not sent them the death certificate for my late husband who a joint holder of the account. After he passed away in XXXX I called them to notify them, and they told me I didn't need to do anything because it was a joint account. They said I could send the death certificate to get his name removed but it was not required. 

They left me a voicemail about 1 week prior to closing the account saying I needed to call them about an important matter. I have new phone and didn't get the notification that there was a voicemail, so I didn't hear it until after the account had been closed and I checked for it. My notification preference had been set to email on USAA, and I received no emails indicating I needed to contact them regarding my checking account. Due to the unexpected/unknown closure of my account, my rent check bounced and I was charged a {$50.00} returned payment fee on XX/XX/XXXX by my apartment complex XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This account is in violation XXXX XXXX is willfully civil liable for continuing to report incorrect data on my consumer report.

15 USC 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

The number of terms is reporting incorrectly the date last reported is also reporting inaccurately DELETE 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 2023-06-11
Company: MOHELA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am reaching out to reopen complaint number XXXX. You did not resolve my complaint and therefore I would like it re-opened and resolved. 

MOHELA lost 8 years of my student loan payment history. The CFPB reached out to them to get information and they told you that they have no payment history before XXXX. That is not the end of the story and the case is NOT closed. The problem is they lost 8 years of my student loan payment history and no one I have reached out to - not MOHELA, or you, or Federal Student Aid are able to provide me any information on where 8 years of my payment history went. 

I am on an income based payment program with a cap on the number of years I have to pay. It is urgent I get this matter cleared up so I am not overpaying. 

I am asking you to please reopen this case, find out WHY MOHELA doesn't have a record of my payment history between XXXX and XXXX and order them to procure it or find me someone who can. 

Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: Southwest Credit Systems, L.P.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These accounts and inquiries are not mine they was made without my permission, consent, inquires Southwest credit systems Reported : XX/XX/2023, Opened : XX/XX/XXXX, XXXX or All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 14 usc 1681. 

XXXX XXXX XXXX ( XXXX ) has violated my rights. 

15 u.s.c 1681 section 602a states I have the rights 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 Rhenish 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 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