BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: NJ
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: EQUIFAX, INC.
State: MO
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:
Collections on my credit report inwhich I have no knowledge of, the following accounts has been disputed, however, I was never provided any physical verification as promised by the FCRA. According to the FCRA if the disputed items is not backed up with physical verification then them accounts shall be removed. The following accounts are XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: EQUIFAX, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
I submitted a previous complaint though CFPB for the following reason : Equifax failed to respond to my request for debt validation on an alleged account reported to them by XXXX XXXX ( Not XXXX XXXX ) within 30 days as required by the FCRA. I submitted this request to Equifax on XX/XX/XXXX and did not receive the information required to validate the alleged debt from Equifax by XX/XX/XXXX as required by the FCRA. 

Equifax responded with : 1.a fraudulent statement through the XXXX website claiming to validated the debt. ( I filed a complaint against the alleged creditor ( XXXX XXXX ) and they were not able to produce the documents necessary to validate the alleged debt per FCRA and fair debt collection act, therefore, it is impossible for Equifax to have validated the debt. ) 2. They completely ignored the fact that they did not complete their initial investigation within 30 days as required by the fair credit reporting act. ( see first paragraph above for dates and details )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-11
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AZ
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:
I found XXXX Hard Enquires in my credit report XXXX made by a company named OneMain on XX/XX/XXXX located at XXXX XXXX XXXX XXXX, XXXX, Az XXXX phone : XXXX XXXX XXXX and OneMain on XX/XX/XXXX located at XXXX XXXX XXXX, XXXX IN XXXX phone : XXXX XXXX XXXX which I do n't regognize ever contacting them for a loan. The Hard Enquire caused to lower my Credit Report Score which is not beneficial for me credit records.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please see the attached PDF.

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 2017-09-03
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:
XXXX XXXX XXXX closed my newly opened credit card in error. My Transunion scored dropped over 100 points. I submitted a dispute to Transunion. Transunion decided that even though XXXX XXXX XXXX  opened the account that was closed in error, they would still not remove the erroneous reported item nor did my score increase. Also, the same exact information is being reported on XXXX and Transunion, but Transunion has my score over 100 points lower than XXXX. I had perfect payment history before filing bankruptcy XXXX 2016 and Transunion has information to support excellent payment history. Please see that Transunion removes the information from XXXX XXXX XXXX and increase my score once information has been successfully removed.

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 2022-07-18
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 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 B States a consumer reporting agency can not furnish and account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 B States a consumer reporting agency can not furnish and 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 2017-04-25
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I.Q.  Data International  is attempting to collect a debt that is not owned whatsoever. They purchased a fabricated debt from an old apartment that created charges because I took took them to court over fabricated electric bills. Initially they tried to collect the debt over  2 we eks after I moved but Georgia Law provides strict deadlines as to when a landlord can claim damage. They must do an exit walk through and send you ANY and ALL damages in writing within   5 business days of move out and by law I was supposed to be notified of inspection. The original creditor broke the law in failing to meet both requirements amongst other things.
Additionally, in the   State o
f   Georgia, it is illegal for the landlord to deduct damages for normal wear and tear. Se  e 44-7-34 ( a ). Thus, carpet cleaning, wall painting and other like expenses can not be deducted from your security deposit if such resulted from normal wear and tear -- -they charged for this as well.
I Q Data International sent a false verification of debt after I contacted them in writing, so for EACH CHARGE, 19   charges total, I requested, in writing, a VALIDATION of debt for every single charge and requested documentation to support each charge because I have photos and documents that dispute the claim. They initially listed this debt on my credit for almost {$8000.00}, it was mysteriously reduced by over {$4000.00} when I send them my initial dispute and the responded with a verification of a fake list of charges. I sent  19 VALIDATION, Not verification, request via certified mail, I paid almost {$140.00} to request validation and they tried to insult my intelligence by sending me another copy of their verification only changing the date. All of the charges are completely erroneous. They have not validated and have ignored all 19 requests.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have an issue with my Claim ID # XXXX. They are saying that I can only close my account if my balance is at {$0.00}. That is still implying that I 'm accountable for recovering the fraud funds that were processed by the bank, and withdrew by me because of the bank showing false and insufficient funds. I am a customer with Bank of America that refuses to help me as well as I think it is the bank 's responsibility to help me recover the lost funds in my account and track down the scammers of the bad check. I should n't be held accountable for Bank of America processing the bad check and allowing me to withdrawal the large amount from the processed check and depositing it into another account as instructed. I believe it should be the bank 's responsibility to catch a bad check in a timely manner and help their customers in every way possible to prevent this from happening to other people. If you do not have that amount available then the check should not be processed. The fraud department of the banks should do a better job catching these types of scams before they go bankrupt and that 's why they make the consumers accountable.

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 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I ask the credit bureau TransUnion to do a verification with everything on my credit report and they did and stated everything was accurate. I did a thorough research myself and found improper, inaccuracy on the credit report even after they did the thorough research. 

Trans Union credit Bureau XXXX XXXX account # XXXX XXXXXXXX XXXX  account # XXXX XXXXXXXX XXXX  Account # XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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 602 A section 2 .It also states a consumer reporting agency can not furnish a account without my written instructions l

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 2022-02-19
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: Information belongs to someone else

Complaint:
I spoke to a rep at experian and XXXX about the following accounts listed on my report on XX/XX/2022. I filled out a FTC report but it has been over 30 days and they are still on my report. I looked into my credit file a little bit deeper and noticed that none of these accounts are even attached to any of my addresses on the report. I have become extremely frustrated and am not sure what to do at this point. I think my next step will be filing a complaint with the attorney general of my state, but I was told to first try and resolve these unverified reporting accounts with the CFPB. I am hoping this will help to clean up the information fraudulently showing on my 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 2022-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 SECOND complaint. TransUnion is violating my rights as a federally protected consumer under 15 USC chapter 41. There are 2 hard inquiries on my credit report that I did not give consent to be furnished. I sent an Affidavit of Truth to TransUnion on XX/XX/2021 ( attached ). TransUnion responded stating I they were unable to process my request. They responded to my last CFPB complaint stating they sent their response via mail ( attached ). I have not received the letter. Regardless, theses are not acceptable responses to an Affidavit of Truth. Under the laws of Commerce, an un-rebutted Affidavit Stands as Truth. TransUnion was never never given my written consent to furnish any of those on my credit report, violating 15 USC 1681b ( a ) ( 2 ). I gave them everything they needed to take the inquiries off.

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 2017-08-28
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I did a modification and my mortgage company said they assessed the home for XXXX and when I received my XXXX county tax assessor for my home my home was valued at XXXX and that is a big difference for what my mortgage company stated. I also reported that I had a drop in income and medical problems in which is causing financial distress and felt nothing was done about that problem. In addition, I felt that my loan mortgagor stated fraudulent reports about the value of my home to keep my mortgage payments up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2017-09-05
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:
In XX/XX/XXXX I pulled a copy of my credit report and discovered that Midland funding was showing that I owed them {$840.00} after investigating my reports I found that they were a collection company and that they alleged I had a dept. with XXXX XXXX. 

I sent Midland Funding several letters asking for them to send me verification of this debt such as a contract I signed with Midland funding or any other documentation bearing my signature, Showing that I owed any debt. 

I sent them a letter dated XX/XX/XXXX, they signed for it on XX/XX/XXXX, They did send response to my letter with a letter telling me that the information was correct. they sent me a print out of a computer generated bill. ( I have attached all correspondence this complaint to the complaint. ) I sent them letter # 2 onXX/XX/XXXX They signed for it on XX/XX/XXXX, again they just sent me a response that just says that they confirmed the information is correct. and no proof of the debt or that I would owe midland funding anything. 
I sent letter # 3 dated on XX/XX/XXXX It was signed for on XX/XX/XXXX - They never sent a response back, they have ignored all my request for verification. 

Furthermore they failed to mark my Credit Reports as being Disputed within the 30 days from when they signed for the first letter I sent. They have never marked any of my credit reports as being disputed. I, in-fact contacted the credit bureaus and had them add a dispute statement to Midland Funding.
I have also been getting contacted by people in my area that Midland Funding is calling them  looking for me. One of them is my Niece who was quite confused because they told her a last name that I never had, they gave her an address she lives at that I have never lived at and told her how much the debt was and accused her of lying and told her they knew she was me on the phone, they threatened her and told her they were going to take her to court and sue her. They had her very scared, so she contacted me, she also stated that they have been calling her number several times a day. 
This account is not mine, I contacted the Original Alleged Creditor via the information that Midland funding provided and they stated that I DO NOT OWE them anything. I DO NOT have any contract with Midland Funding and Midland funding has not been able to provide any " Verification '' that I even ever owed this debt nor that I owe Midland funding anything.
I Would like this problem to be taken care of. I feel that I have done everything I can by sending Midland funding request for verification and I feel like they have had more than enough time to comply. They have violated several laws. This is not my debt and they have failed to provide any proof of the debt, I do not have any contract with them where I own them any money, They are reporting on my credit reports and they are calling and threatening people who are not involved in any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Incorrect exchange rate

Complaint:
Made a purchase on XXXX using paypal for payment. purchase date was XX/XX/XXXX and the purchase was for {$470.00} XXXX order number on XXXX is XXXX paypal states in their disclosures that they change the currency rate daily but they do not change it daily. they leave it the same for weeks or months at a time. 

As of yesterday the value of the us dollar to the XXXX was approximately even, give or take a cent. 

The exchange rate they provided was XXXX XXXX less than the actual value of it should be and that is the same amount they had XXXX months ago. 

So they are not changing it daily as their disclosures state and they are ripping consumers off, pocketing the difference and not be ethical or even fair. 

When the customer service rep who I spoke to put me on hold to transfer me to a manager like I asked I was hung up on. 

Then to make matters worse, I was sent an email supposedly including the disclosures for international money transfer fees, etc but the email and only email sent to me was for an alert that my account was accesssed from anothe mobile device which was not accurate and seems like a fraudulent way to conclude the phone call by the representative.

Company response to consumer: Closed with monetary relief