BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-13
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: Information belongs to someone else

Complaint:
Im 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 COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX : $ - ; XXXX XXXX XXXX XXXX XXXX : {$310.00} ; XXXX XXXX XXXX  XXXX Balance : $ - ; XXXX & XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX IL XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; 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 alleged identity theft, not later than 4 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 explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, and XXXX  XXXX # XXXX. 

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 an account without 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, 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 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 2023-03-23
Company: Affirm Holdings, Inc
State: SC
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:
On XX/XX/2023 an account from Affirm appeared on my credit report with a balance of {$240.00}. I started a dispute with XXXX to resolve this issue because this balance was paid in full and loan was officially closed on XX/XX/2023. I also provided XXXX with my loan validation letter provided by affirm that states this has been paid in full. Even with supporting documents showing my payment, loan ID and other verifying information XXXX did not take this into account. The dispute was resolved with a statement saying that Affirm has confirmed that the reporting is valid. I proceeded to contact affirm on XX/XX/2023 and they confirmed that I have made the full payment and was unsure why their back office is reporting this to my credit report. I made a complaint and the representative insured me that it would be escalated and I would hear back them by email. The same day their back office contacted me via email stating that the report is valid which is incorrect. I have my loan validation letter and also bank statements showing the amount and when it was paid to Affirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
State: NC
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 Report Act my rights have been violated. Allowing a late payment reporting on XX/XX/22, XXXX XXXX by XXXX XXXX ; XX/XX/22, XX/XX/22, XXXX XXXX by XXXXXXXX XXXX XXXX and XX/XX/22 by XXXX. Under 15 U.S. Code 1681 Section 602 states There is a need to insure that consumer reporting agencies exercise a respect for the consumers right to privacy. 15 U.S. Code 1681 Section 604a Section 2 also states, any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In Accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-01-13
Company: EQUIFAX, INC.
State: NC
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 Report Act my rights have been violated. Allowing a late payment reporting on XX/XX/22, XXXX XXXX by XXXX XXXX ; XX/XX/22, XX/XX/22, XXXX XXXX by XXXXXXXX XXXX XXXX and XX/XX/22 by XXXX. Under 15 U.S. Code 1681 Section 602 states There is a need to insure that consumer reporting agencies exercise a respect for the consumers right to privacy. 15 U.S. Code 1681 Section 604a Section 2 also states, any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In Accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My credit card was registered on XX/XX/XXXX so my account possibly could have been opened a few days prior. And when I check my credit report It shows It has been open since XX/XX/XXXX. Also when my credit card was bought from a collection agency the total amount was at {$4300.00} and on the credit report It is showing {$4600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Williams & Fudge, Inc
State: CO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Williams & Fudge has been trying to contact me since XX/XX/2022. I have received repeated calls per day on some days, and they have contacted my relatives, including my father, sister, and stepfather.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: TD BANK US HOLDING COMPANY
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
Even though I have never authorized the activation of or lost the TD Bank Visa XXXX card # XXXX XXXX XXXX XXXX, a fraudster was able to replicate this TD Bank Visa and made numerous fraudulent charges starting XX/XX/XXXX : Card Number Ending in XXXX XX/XX/XXXX ; Reference # XXXX XXXX XXXX XXXX, CA : {$17.00} XX/XX/XXXX ; Reference # XXXX ; XXXX : {$87.00} XX/XX/XXXX ; Reference # XXXX ; XXXX  : {$86.00} XX/XX/XXXX ; Reference # XXXX ; XXXX  : {$89.00} XX/XX/XXXX ; Reference # XXXX ; XXXX XXXX XXXX XXXX {$150.00} XX/XX/XXXX ; Reference # XXXX XXXX XXXX XXXX XXXX : {$210.00} XX/XX/XXXX ; Reference # XXXX ; XXXX XXXX XXXX, XXXX, NY : {$200.00} XX/XX/XXXX ; Reference # XXXX ; XXXX XXXX XXXX, XXXX, NY : {$62.00} XX/XX/XXXX : Reference # XXXX ; XXXX : {$130.00} XX/XX/XXXX ; Reference # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY : {$1000.00} XX/XX/XXXX ; Reference # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY : {$3200.00} XX/XX/XXXX ; Reference # XXXX ; XXXX WA : {$240.00} XX/XX/XXXX : Reference # XXXX Payment received {$20.00} XXXX Card Number Ending in : XXXX XX/XX/XXXX ; Reference # XXXX ; Payment received $ XXXX XXXX  : XX/XX/XXXX ; Reference # XXXX Cash Advance Fee {$54.00} XX/XX/XXXX ; Reference # XXXX ; Cash Advance Fee {$160.00} Interest charge-cash : {$11.00} These are the fraudulent charges, fees, and interests on the statement closing XX/XX/XXXX. There are additional Fraud charges, fees, and interests after this statement closing date, which I would have no knowledge of since the Fraudster changed my TD bank profiles such as fraudulent mailing address ( XXXX XXXX XXXX, XXXX XXXX, NY XXXX ), fraudulent cell phone number ( XXXX ) XXXX, and fraudulent e-mail address ( XXXX ). Therefore, I have not been able to log into the my online account since XX/XX/XXXX. 

Furthermore, on XX/XX/XXXX, I received a text from XXXX  regarding a suspicious cash withdrawal activity at XXXX XXXX XXXX XXXX for {$3200.00}. I replied the text as Fraud. TD bank replied back as " Your card may be restricted. However, this fraudulent cash withdrawal of {$3200.00} at XXXX XXXX XXXX XXXX, XXXX, NY still went through on XX/XX/XXXX. 

Even though all of these charges, fees, and interests are all from fraudulent activities and it would take up to 90 days to investigate, the TD bank Visa Fraud department would not issue any provisional credits while the fraud charges are under investigation and still insists that I am responsible to pay the minimum payment of {$200.00} due on XX/XX/XXXX in order to avoid my account to be reported as delinquent, which will affect my credit score. Please have all these fraudulent charges, fees, and interests resolved ASAP by XX/XX/XXXX the latest, so my account will not be reported as in delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Capio Partners, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX Amount {$560.00} Collection agency CAPIO PARTNERS LLC Original claimant is XXXX XXXX XXXX Tel XXXX capio partners Tel for XXXX XXXX XXXX This bill doesnt belong to me thats either an identity fraud or misinformation Because Ive never been to XXXX Florida I live in XXXX XXXX and this XXXX XXXXXXXX XXXX is a medical company in XXXX, FL gave collection through Casio partners.

I never had any visit or relation with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
This account was not paid late ever because it was part of a rehabilitation plan with monthly payments required. The balance was paid in full on time in XX/XX/2022. Payments from XXXX, XXXX, and XXXX were successfully processed ; however, the company continues to report inaccurate information in partnership with the University. 

The late payments reported on this account are inconsistent across the XXXX bureaus. This company has failed to provide me with documented evidence as requested. XXXX shows a late payment in XXXX, Experian reports a late payment in XXXX ( and on time payments in XXXX, XXXX and XXXX ), and XXXX does not show a late payment at all.

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 2023-01-25
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: Account information incorrect

Complaint:
This account was not paid late ever because it was part of a rehabilitation plan with monthly payments required. The balance was paid in full on time in XX/XX/2022. Payments from XXXX, XXXX, and XXXX were successfully processed ; however, the company continues to report inaccurate information in partnership with the University. 

The late payments reported on this account are inconsistent across the three bureaus. This company has failed to provide me with documented evidence as requested. Equifax shows a late payment in XXXX, XXXX reports a late payment in XXXX ( and on time payments in XXXX, XXXX and XXXX ), and XXXX does not show a late payment at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Dynamic Recovery Solutions, LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I did not owe this bill. I had health insurance, XXXX XXXX XXXX XXXX, at the time of service. this was just never billed to insurance and then put on my credit reports without my permission or knowledge. no one notified me of owing this. i did not give my permission to anyone other than the medical facility to give out my medcial records nor bills thus breaking my HIPAA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
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:
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 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 reports no consent is fraud.

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 2023-02-14
Company: Experian Information Solutions Inc.
State: FL
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 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2023-07-23
Company: Paypal Holdings, Inc
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been a PayPal user for many years and recently attempted to make a purchase online using PayPal. PayPal Credit was used instead of my credit card linked to the account to make the purchase. I noticed that it had defaulted to PayPal Credit instead of my credit card just as I clicked the complete purchase button.

I have never made a PayPal Credit purchase and have made recent purchases using my linked credit card. My preferred payment method is my PayPal balance, of which there is about {$6.00} that was not used toward this purchase. It appears that when it did not use my balance, it defaulted to PayPal Credit without my knowledge and I can not find a way to change this on the PayPal website.

PayPal advised that they could not resolve this without disputing the charge with the merchant, who I do not wish to harm my relationship with.

I do remember attempting to open a PayPal Credit account in the past but also remember being denied at that time. I do not remember ever being approved for this account, so I had no reason to believe that it had been opened when it was denied. There has never been a purchase on my PayPal Credit account until now. It seems to me that this is very similar to challenges PayPal has created in the past ( see 2015 CFPB action against PayPal ) by enrolling me in a PayPal Credit account without my knowledge and defaulting to using it when making a purchase instead of my preferred payment method.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Transworld Systems Inc Is continuing to report on my credit report despite my demand to cease and desist all forms of communication and reporting. Updating the reporting to disputed does not satisfy the cease and desist and deletion. Credit Reporting Is Attempting to collect. I did not request a validation of debt. I am outright denying any obligation to pay. No such contract exists between Transworld Systems Inc, nor the creditor and myself XXXX : XXXX. Please consider this notice a pre-litigation notice. Actual damages will be sought.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: MRS BPO, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XXXX XXXX repossessed the vehicle on XX/XX/XXXX on XXXX XX/XX/XXXX the account was closed, The loan was for XXXX and it was sold for XXXX of the past due in XX/XX/XXXX, The loan was written charged off and it is reported on my credit they never send me a 1099 and sold my account to credit collection asking for the amount XXXX. The name of the collection company MRS

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my right. 

15 USC 1681 section 602 states I have the right to privacy.

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

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-01-12
Company: SUN LOAN COMPANY INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX SUN LOAN COMPANY XXXX I was never late with this company, the credit bureau XXXX XXXX ) are ignoring my disputes. 

Date updated shows XX/XX/2019. Which indicates there was not an investigation. 


I have sent disputes XXXX consecutive months now. Still nothing. 

Failing to Follow Debt Dispute Procedures is a violation of this FCRA. 

I have attached my last dispute with XXXX in regard to this account alongside the certified mail recipient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: RevMD Partners, LLC.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt of {$110.00} was paid directly to the medical provider. I mailed a letter stating that to the debt collector. On XX/XX/ I called the number listed on the debt collection letter and the number did not work, so I am unable to confirm the receipt of my letter or to speak with a real person to explain that the debt has been paid. It seems unfair to list a number that does not even work. 

RevMD Partners LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation