BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THESE ACCOUNTS ARE FRAUD AND I NEED THEM REMOVE FROM MY FILE XXXX. 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 2023-10-03
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:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was recently divorced and as a result I was relieved of all financial obligations of a loan with XXXX that was taken out by my ex-spouse. This decision was a judgment as a result of the divorce and separation of assets. XXXX is not honoring this judgment and continues to report this account to my credit file when I have no legal obligation to this account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX is continuing to allow the financial abuse to continue. XXXX should honor the court 's judgment and cease reporting this account to the credit bureaus. This ongoing fraudulent reporting has caused me emotional and financial hardship and distress. 

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 2023-01-25
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX FIN # XXXX Account name XXXX XXXX XXXX  # XXXX Account name : XXXX XXXXXXXX # XXXX Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX, IL, IL XXXX XX/XX/2022 ; XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXXXXXX XXXX XX/XX/2022 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 non-monetary relief
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I submitted a dispute to Equifax about a collection item listed on my credit report from XXXX XXXX XXXX XXXX for a collection account reported for {$5800.00}, which was originally reported in XX/XX/XXXX as first opened in XXXX of XXXX and first delinquent in XXXX of XXXX. In this dispute I requested a copy of the original contract signed by me that resulted in this debt. I received a response saying that the collection item was verified as accurate but I did not receive a copy of the contract with my signature that substantiates this debt. It has been over 30 days since my dispute and request for this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting 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:
I am a natural person and living human being, I have rights under 15 USC 1681. 

XXXX and XXXX are govern by 15 USC 1681. And they have violated my rights numerous of times. I demand that these accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX or XXXX written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
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:
I was in XXXX  around XX/XX/XXXX and got XXXX around XX/XX/XXXX. Before I went to XXXXXXXX I had a debit account at this ( bank ) XXXX XXXX. After I was release I found out my debit acc was closed and there was a credit card open for around {$570.00} of debt and it was charged off. This was not me and I believe this is fraud. I contacted the company, they sent me fraud papers, I filled them out and mailed them. But after a few months I didn't get a response back. I'm filling this out because of experience to increase my credit score and this is still on my profile.

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 2023-09-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This below accounts are being reported inaccurately as a charge-off, which in fact the accounts were paid in full. The companies are violating 15 USC 1681e ( b ) if there was in fact a charged off debt as well as 15 USC 1681s2. I demand that this account be deleted from my credit report immediately to avoid any civil penalties as I am prepared to exercise my legal rights under the FCRA. I have forwarded letters to the creditor and all three credit bureaus, and they have failed to adhere to the requests or respond. 

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 2023-02-23
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was trying to pay off my debt with midland credit management & I didn't have my account number so it had me put in my last name, my DOB month & year and the last four of my social security number. It then took me to a page about 10 % off the balance if you paid in full that day so I selected that option and put in my debit card information. After I processed the payment it then took me to an account page that was for someone that I do not know causing me to pay for someone else 's debt. I immediately called midland and voided the payment option on their website and filed an escalation that involves me not getting my money back immediately even though it had just happened and I immediately voided to payment. They could not explain to me why my personal information was going to someone else 's account & now I'm scared my information can easily be accessed. The company told me I had to wait 7-10 days for a solution & did not give me any answers as to why I couldn't get my money back right away when that account I paid on was not mine.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$170.00} XXXX XXXX Balance : {$100.00} XXXX XXXXXXXX Balance : {$67.00} XXXX XXXX Balance : {$5600.00} 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 2023-08-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I filed a dispute with XXXX and submitted a letter from the Bankruptcy Court who stated and verified they do not share personal information to third party agencies. I have not given XXXX any rights to share my personal information nor have I signed a release to release my information. I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor or Court to receive and publish my personal information.

2. The contact information for the Court that provided my personal information 3. The name of the person who verified the item to you and proof of my signature that you had permission to search for my information, publish it and share my personal information.

4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth and a signature.

I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results

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 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
These accounts balances are incorrect on my credit report I was never given the contracts or itemized billing statements showing how these accounts balances were made, they also added late payments dates and fees to these accounts after they were closed, how can one be late with fees when an account is closed the date of account closed have been updated as no information given on my credit after I contacted them asking about this same problem. XXXX XXXX XXXX Account # XXXX is also a charged off account that I never received my XXXX as law states mt to receive. How can they come after me for a debt that has been paid in full already due to charge off. As for the XXXX Account # XXXX account this was sold to a third party without my knowledge or permission giving my personal information out without my written content also this is still showing as an owed debt with this company when it should be removed if from my credit reports if they have been paid for this debt already due to charge off to third party. 
In According with the Fair Credit Reporting Act the following companies previously listed above has violated my rights. 15 USC 1681-602A states I have right to privacy. 15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2023-11-12
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Overdraft, savings, or rewards features

Complaint:
On XX/XX/XXXX, I used PayPal to send money to my friend. I sent her {$1700.00}. After sending her the money, I contacted her to verify that she received it. She had not. I checked my PayPal and saw that it had instead been received by a man named XXXX. This was the incorrect person. I then called PayPal to have them cancel the transaction because it had not yet been accepted or withdrawn by the individual. Customer service encouraged me to contact this individual and helped me file a claim. While I was awaiting to hear back regarding the claim, I asked customer service if I could contact my bank to have them bounce the transaction because it was incorrect and had not yet left my account. Customer service agreed that I could contact my bank. My bank was quick to bounce any transactions that amounted to {$1700.00}. I believed that my account was now secure and that the money would not be wrongly received by this individual. Later that day, I received a notice that PayPal had denied my claim. At this point, the money was still not withdrawn from my account. I was confident that my bank would bounce the transaction if XXXX accepted the money. He never responded to my methods of contact, but he did eventually accept the funds and PayPal charged my bank account on XX/XX/XXXX. Yet I did not have the funds to pay this. When the money did not go through, PayPal still gave XXXX the money and placed my account on a negative balance. I am now being contacted by a collection agency to pay the overdrawn fee. I disagree that my account should be overdrawn because I reject the transaction and do not permit it. I have tried contacting PayPal customer service since then but have been unable to talk to anyone about this particular case after attempted calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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,XX/XX/XXXX : # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) : # XXXX XXXXXX/XX/XXXX ( Original Creditor : XXXXXX/XX/XXXX ) : # XXXX,XX/XX/XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX : XX/XX/ 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 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 2023-02-02
Company: USCB, 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: Account status incorrect

Complaint:
I spoke with USCB AMERICA a few weeks ago and they claim that I owe them money since 2017. They can not provide me with original receipts nor correct info. This creditor never appeared in my credit report before and now its showing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: MoneyLion Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I inquired about a personal loan through moneylion. And that's all it was was an inquiry I never received any money from them and now it shows that all my credit report that I received {$1000.00} from them and now it says I still owe them {$220.00}. This company never gave me {$1000.00} or loan me {$1000.00} I never got {$1000.00} from this company in any way shape or form

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions 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 status incorrect

Complaint:
I paid off XXXX  XXXX  as it went into collections status. I advised that I would pay the settled amount and provided the deletion letter as requested. I had advised XXXX with XXXX that I fell behind due to my wife having XXXX XXXX. She was unable to work and I had to focus on household bills, medical bills, medication and treatments as well as our children. I provided my reasoning with the letter, XXXX spoke with a manager and they agreed to remove this as a derogatory from all 3 credit agencies. I've sent the request to XXXX, experian and XXXX with no corrections being made. I've filed a complain with the XXXX  and now the CFPB before taking legal action. This is hindering me from being able to move forward in my job and purchase a home. I need this deleted as stated it would be.

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 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This account is not reporting on credit any longer. The account is in good standing and I would like for it to report on my file correctly. Thank you 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 2016-09-19
Company: CITIBANK, N.A.
State: NJ
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Unauthorized transactions/trans. issues

Complaint:
My citi prepaid/debit card expired and they will not reissue the money or replace the money.

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