BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-23
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:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX CT XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX SELF-REPORTED XXXX Balance : {$250.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXXE XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

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 2022-06-08
Company: Credit Karma, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I have been closely following my credit reports because I am actively trying to raise my credit score to be eligible for better interest rates. In XX/XX/2022 I received an unsolicited request to apply for a home loan on Credit Karma. I promptly asked them to cease and desist sending me unsolicited information of this type and asked how they got access to my credit file. Credit Karma answered back and said I had filled out a profile on their website. They have a feature to create a profile to make comparsions with other products but I did not in anyway apply for anything or gave them permission to check my credit.. Next thing I know they sent me a denial letter. Shortly afterwards my credit score dropped by XXXX points for no reason ( I had it analyzed by an attorney ). I called XXXX directly and they had no answers.The lawyer said they couldn't help because the report I had available was from Credit Karma and not directly from XXXX. 

I called XXXX today and was informed that I could get a report but not a credit score and that would cost me {$9.00} to get. 

I am amazed at the casual response and careless mishaps ( such as this ) could happen within a group that controls how we flow in society. Our credit score is front and center in almost everything and depending on that number to have the ability to either exist comfortably or to struggle because of high insterest rates. or straight out be denied things.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Americollect at XXXX XXXX XXXX XXXX, XXXX, Wisconsin XXXX has been sending me collection notices in the amount of {$410.00}. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have any a contact with my signature. Debt amount has changed multiple times as well. First they tell me I owe {$280.00}, then they send me a letter saying I owe {$410.00}, and now they are stating {$410.00}. 
They put the collection back into my credit report. This is not my debt and I do not have any association with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn out of sending dispute letters to Transunion requesting that they correct these mistaken accounts being stated on my Credit File because they have been doing nothing! This complaint is to follow up on my prior protests and letters I submitted on XX/XX/XXXX, and to notify them that I am halfway to taking lawful action and litigating Transunion for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the accounts on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The accounts that should be adjusted are as follow : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23
Company: Experian Information Solutions 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn out of sending dispute letters to Experian requesting that they correct these mistaken accounts being stated on my XXXX XXXX because they have been doing nothing! This complaint is to follow up on my prior protests and letters I submitted on XX/XX/XXXX, and to notify them that I am halfway to taking lawful action and litigating Experian for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the accounts on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The accounts that should be adjusted are as follow : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Debit card was stolen earlier this year and theif apparently knew my PIN number ; Schools First Credit Union honored the claim and refunded my money. I notified the bank of my missing walled within 8 hours. 

I lost my new debit card ( new PIN ) and thief, somehow, used my PIN ( according to the bank ) and the bank will not honor my claim. There were 30+ transactions in the single day compared to my maximum activity of, maybe 5 transactions a month. Someone should have flagged all that activity. I notified the bank of my missing card within 24 hours. 

Please tell me how to enforce the bank to return my stolen {$9000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Im currently a victim of Identity Fraud. 

On XX/XX/22, my Son, XXXX XXXX XXXX and I have bank accounts within the same bank, USAA, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Account # XXXX XXXX XXXX Sons Acct XXXX We received an alert XX/XX/22 with fraudulent activity within our accounts. We called USAA, with difficulty, we were told the investigation will begin and we would be notified. Sure enough, our accounts resumed with the normal balances and access. 

On the XX/XX/22, my Son receives an alert with more fraudulent activity with deposits of 5 {$1400.00} checks within his account, we proceed to call USAA with difficult and they guide XXXX through changing his password. We were locked out of our accounts from this time forward. USAA Representatives stated the MRT Team would be in contact with us within 3 business days. We have called multiple times with no answer. Did finally escalate to the CEO Office XX/XX/22, XXXX XXXX at XXXX XXXX XXXX is looking into this matter and will have people call us. No calls as we write. 

USAA identified US Treasury check numbers via mobile deposits : XXXX, XXXX, XXXX, XXXX & XXXX All labelled Altered fictitious items We received correspondence on this checks & instruction on reporting Identity Theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: EQUIFAX, INC.
State: NY
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 disputed accounts on my credit report and the credit bureau continues to report the inaccurate and unverified information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX 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 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2022-07-03
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-10-17
Company: EQUIFAX, INC.
State: FL
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:
This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 complaint regarding collection companies that are collecting debt I do not owe them. I did not do business nor any transactions with them. They are asking the wrong person and the accounts that they say belongs to someone else.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03
Company: Uplift, Inc
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Two Inquiries from Uplift show on my XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Resurgent Capital Services L.P.
State: OR
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:
This complaint is specifically regarding XXXX XXXX contacting me well after a cease and desist notice was received and signed for by their company which violated the request. I also never received any paperwork for XXXX or XXXX and they have never provided me with any document with my wet signature on any of it to prove the debts validity ( a side fact ). 

My complaint is that they violated a cease and desist order and I have the proof, I would love for them to speak on how they sent me a piece of mail 12 days after they received and signed for the letter and why the letter was dated for XX/XX/XXXX, a letter I already had in my possession?? Yet I received the letter in mid XX/XX/XXXX. I want only the violation of the cease and desist letter to be entertained in this complaint, no information or smoke screening with the accounts to gloss over and distract from what they blatantly did. 

My letter dated XX/XX/XXXX at XXXX Received by them and signed for XX/XX/XXXX To : Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX From : XXXX XXXX XXXX : CEASE & DESIST CONTACT After multiple attempts and requests to have this company eliminate debts which they have been told are not mine and are outside the statutory collection limits with no resolution, this is my official request in writing to have your company cease and desist all forms of contact with me to include by phone, email, in writing, by fax or any other form of communication from this moment going forward with no ending date and time up to the time of my being deceased. I have referenced the accounts below. 

XXXX XXXX XXXX LVNV Funding Capital XXXX XXXX LVNV Funding XXXX XXXX XXXX  Acct : Not given Ref : not given XXXX XXXX XXXX XXXX XXXX XXXX ( just found out about this on XX/XX/XXXX from the year XXXX ) This letter covers all debts you have. Consider this my official notice, if I continue to be contacted, I will take legal action for harassment!!! 


*** MAILED XXXX RETURN RECEIPT ON XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29
Company: AR Resources, Inc.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I attended XXXX university and they did not allow me to use my financial aid when I went. I was supposed to get a scholarship and do not think I got that. I also did not have an option for a payment plan. Instead, my bill was sent to collections and I cant get my transcript

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Paypal Holdings, Inc
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased an item with my PayPal XXXX on XX/XX/22 for {$110.00} Transaction ID XXXX After going back and forth with the seller for a month, the product never arrived. I requested a refund from paypal because the item never arrived. There was supposed to be a signature required with delivery. No delivery or signature. 

On XXXX I requested a refund due to fraud. The website says it will take XXXX business days. 

On XXXX I provided additional information Paypal will not refund my money. XXXX and XXXX said it would take a month. XXXX then said XXXX days. Now XXXX says it will take up to 90 days. 

This is obvious fraud by the seller and Paypal is letting the get away with it by not refunding my money. Will you please help me get my money back? Its now 12 days since I notified them that this is fraud and they still haven't returned my money.

Company response to consumer: Closed with monetary relief