BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-22
Company: JLB CORPORATION
State: MO
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 emailed Vice President XXXX XXXX at Goldenoak Lending for him to explain the process of obtaining a home equity line of credit. He pulls my credit without my consent and now i have a ding on my credit report because of it and not once did i ever give him permission to pull my credit. I simply asked how the process worked. Hes tried to cover his tracks by telling me oh it doesn't hurt my credit for that type of stuff but when you look at the credit report, a mortgage inquiry is very high risk on experian. i told his company what happened in a support chat and all the said what sorry for the misunderstanding. This is extremely unprofessional and i believe they should be able to get this removed off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: LEXISNEXIS
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:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a bankruptcy on my credit report that does not belong to me. I would like the account and move on my credit report. 

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 explanation
Consumer complaint received 2023-01-28
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
On XX/XX/2021, through my freelance work, I received payment from my client in the amount of {$32.00} to my PayPal account. However, on XX/XX/2021, my PayPal account was permanently limited. After 180 days my money was gone from my PayPal account and I can not use my PayPal account anymore for my freelancing work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
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 wrote to all 3 companies about XXXX XXXX XXXX  collection on my credit report for XXXX. I had requested validation of this account being they claim it is verified. To adhere to my rights as a consumer, I have the right to see how they validated this account with a contract between me and XXXX XXXX XXXX  showing I owe them. Still to this day despite three requests of this, each company failed to respond with this proof. 

I had a account with XXXX starting in XX/XX/2013 when I moved to XXXX XXXX. I was not working and had {$500.00} in pa benefits, {$400.00} which went to rent leaving {$100.00} for bills and other needs. My XXXX  bill was in arrears starting XX/XX/2013. This never became current while I had this account. I did not have the funds and relied on heap to help prevent shut offs. Due to this, the law states debt is to not be reported after seven years of first delinquency, this is clearly a 9 year old debt. 

Approximately a year and a half ago I had applied for XXXX in XXXX for this bill owed and was APPROVED for full amount. XXXX was paid by XXXX. 

Which makes this debt invalid due to law of 7 years and it being paid. I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, My name is XXXX XXXX, I have been a customer of US Bank many years with never any late fees. 
Recently [ XXXX the XXXX I mailed my XXXX payment that was due on the XXXX. 
US bank claims the payment was late and is charging interest and late fee. 
The payment was made electronically by my bank, so this is a record they got it on time. 
Please help me resolve this I feel I am being treated unfair. 
Warmest regards 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 monetary relief
Consumer complaint received 2022-07-03
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My VA mortgage is handled by Freedom Mortgage. In XX/XX/XXXX my mortgage went into loss mitigation due to XXXX. In XXXX I made several payments to Freedom for XXXX and XXXX and my mortgage came out of mitigation after in XX/XX/XXXX. I made my XXXX payment on the XXXX of XXXX for XXXX but they never applied it to the correct month of XXXX. 
Instead Freedom applied the payment to principal. This cause my payment to be a month behind. I have written several times trying to get this rectified by I had no luck .I have had several request by managers but freedom refuses to move the payment to the proper month of XXXX to get the mortgage brought up to date. Freedom sent late payments to my credit record and it hurt my credit. I had nothing but lip service from Freedom mortgage and their staff has miss informed me about payment information telling me not to make payments because I had extra money in the old mortgage that had to be brought forward. This cause confusion with representatives from Freedom. 
I asked they move the money that was paid for XXXX so the account is brought up to date. Thank you 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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello to who it may concern ; Hi well i was looking at my credit report and i find out incorrect information of me and the only information you should have on my credit report should be the following only. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any other information thats not accurate to what i just told you in this letter i want it removed as soon as possible and i mean it as soon as possible please and thank you.

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 2023-11-13
Company: WELLS FARGO & COMPANY
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:
The month of XXXX XXXX XXXX I accidentally came across documents and statements of many accounts in my name that I wasn't aware of. I addressed wells fargo and they recommended mediation for unarthorized accounts that were open in my name. We settled at XXXX which was paid out fairly quick. I begain to notice other activities that don't add up. I discovered the method they used to merge unarthorized accounts with your current active accounts. I requested mediation to solve this new issue along with dozens of different accounts since XXXX that I never owned. It's been almost 2 years of reaching out to Wells Fargo but all my accounts and history is deleted. I can't request a statement and I'm ignored or hung up on 99 % of the time.

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 2023-11-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted by Portfolio Recovery Associates LLC in XXXX regarding supposed debt, I requested proof of debt and did not receive it. It is now XXXX, and I'm being served with a writ of garnishment for a judgement in XXXX obtained by Portfolio Recovery Associates LLC ; I was never served with a court order or summons to respond and have no knowledge that this case even went to court, so to be served a writ for garnishment for a judgement I had no knowledge of is a complete blindside and shady practice on the part of Portfolio Recovery Associates. I was never served or given an opportunity to respond. When the judgement was obtained, it was done so illegally, as the statute for collection on said debt had expired and they had no legal right to even collect on the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
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:
I am requesting for these accounts to be removed from my credit report. Please see attached documents as it includes complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Southwest Credit Systems, L.P.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have made several contacts with the southwest credit system as well as XXXX XXXX regarding this matter. This is not my account ; this account was addressed at an address that I did not live at. I joined the military in XXXX and was living overseas during the time frame of this account. Before I went to the XXXX, I lived in XXXX, XXXX. I didn't return to the state until XXXX. Please remove this account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: TX
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 my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, 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. Please don't ignore my request to repair these inaccurate accounts in my file. 
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 explanation
Consumer complaint received 2023-11-10
Company: Lendmark Financial Services
State: FL
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 got a notification through XXXX XXXX that I had a hard inquiry submitted on XXXX XXXX XXXX  with lendmark financial s. I did not apply for any loans. I called them and they said they did not see any line of credit. I want this removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 recently received a notice from Fair Collections & Out, Date opened XX/XX/2023 Account number XXXX Original balance {$2200.00} However, I want to emphasize that this account is not mine and has never belonged to me. 
I have several reasons to believe that this account is an error, including but not limited to : 1. Identity Verification : The account in question does not match any transaction or credit history associated with my personal information. I have verified my records thoroughly, and there is no history of any dealings or financial agreements with the creditor stated in your notice.

2. Lack of Supporting Documentation : The information provided to me lacks any concrete evidence or documentation supporting the validity of the debt. I have not entered into any agreements with the alleged creditor, and I request that you provide detailed documentation verifying the legitimacy of the debt.

3. Potential Identity Theft : Given the absence of any record related to the mentioned account, I am concerned that this may be a case of identity theft. I urge you to investigate this matter promptly to prevent any further misuse of my personal information.

I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), and I request that you take immediate action to : 1. Cease any and all collection activities related to this account.

2. Remove any negative remarks or entries related to this disputed account from my credit reports.

Furthermore, I request that your agency conduct a thorough investigation into this matter and provide me with the following information : 1. Verification of the debt, including any signed agreements or documents demonstrating my obligation to pay.

2. Details of the original creditor, including their contact information and the original account number. 
I expect a prompt response within 30 days of the receipt of this letter, confirming that the erroneous account has been closed and that any negative reporting related to this account has been removed from my credit reports. 
Thank you for your immediate attention to this matter. I look forward to your prompt resolution of this dispute.

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 2022-09-22
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: Personal information incorrect

Complaint:
15 USC 1681 ( a ) ( 4 ) THERE IS A NEED TO INSURE THAT A CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY, AND RESPECT FOR THE CONSUMER 'S RIGHTS TO PRIVACY. I DEMAND A DELETION OF ALL PERSONAL IDENTIFIABLE INFORMATION FROM MY CREDIT REPORT WITH THE EXCEPTION OF : 1. MY FULL NAME : XXXX XXXX XXXX, 2. MY ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, TEXAS XXXX. PLEASE DELETE ALL OTHER ADDRESSES AND NAMES, I CAN NOT RECEIVE MAIL OR ANY CORRESPONDENCE NOR DID I EVER LIVED AT ANY OF THOSE ADDRESSES, OR USED ANY OTHER NAME EXCEPT MY OWN : XXXX XXXX XXXX. ALSO DELETE ANY OTHER PHONE NUMBER BESIDES ( XXXX ) XXXX FROM MY CREDIT REPORT. I DEMAND MY SOCIAL SECURITY NUMBER AND DATE OF BIRTH BE REMOVED FROM BEING DISPLAYED ON THE CREDIT FILE FOR PRIVACY REASONS. PURSUANT TO THE FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I AM A FEDERALLY PROTECTED CONSUMER AND HAVE A RIGHT TO PRIVACY. NOT GRANTING ME MY RIGHTS IS AN INDIRECT VIOLATION OF 15 USC 1681 AND ALL ITS SUBSECTIONS. PLEASE SEND AN UPDATED CREDIT REPORT ONCE THE CHANGES ARE COMPLETED TO MY CORRECTED ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, TEXAS XXXX. 
I ENCLOSED A COPY OF MY STATE ID AND SOCIAL SECURITY CARD AS PROOF OF MY ADDRESS AND IDENTITY

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 2023-08-26
Company: Experian Information Solutions 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:
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 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX  XXXX Balance : - XXXX  XXXX  XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - Bankruptcy XXXX  XXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : XXXX XXXX XXXX Balance : 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 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 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 2022-07-29
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Equifax is violating my rights! 

I have disputed multiple times about inaccurate PII info on my credit report and wrong information STILL shows! 

WRONG PII TO BE REMOVED NOW! 

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX -- - I do not have any access to this address and therefore is REQUIRED to be removed! Delete this now! 

XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Tx XXXX. -- THIS IS A COMMERCIAL BUSINESS AND I DO NOT LIVE HERE AND NEVER LIVED HERE!!!! 

Employer PII that is WRONG 1. XXXX. -- - What the XXXX is XXXX!!! Remove this NOW!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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 XXXXXXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22
Company: MRS BPO, LLC
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed a collection on my credit report on XX/XX/22 that wasn't supposed to be there. That day, I filed a dispute with XXXX. I was notified that the " debt belongs to '' me on XX/XX/22. Despite my efforts, I haven't been able to reach anyone at the collection agency, MRS BPO, until XX/XX/22. MRS BPO informed me that the original debtor, XXXX XXXX XXXX XXXX ( XXXX  ), would handle the dispute. XXXX advised me to file a police report and file a report on the Federal Trade Commission website about the issue. It was opened on XX/XX/22 and is due {$540.00}. The address involved with the account is XXXX XXXX XXXX XXXX XXXX, XXXX TX, XXXX. XXXX is the phone number associated with the account. The account number is XXXX.

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 non-monetary relief
Consumer complaint received 2020-11-30
Company: DISCOVER BANK
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I contacted Discover Card today, XX/XX/XXXX for they are insisting to pay {$870.00} XXXX Most of it charges for late payment ). The Instant pot that I had bought from XXXX had been returned since the end os last year and XXXX had credited it on XXXX XXXX, XXXX. I also returned five boxes they sent by mistake. Still Discover card is billing me for something I did not buy. 
I would to correct this situation with Discover Card. 
Please help, Thank you, XXXX XXXX

Company response to consumer: Closed with explanation