BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-24
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: Problem with personal statement of dispute

Complaint:
I co-signed for an auto loan for my sibling. She missed one payment after four years of on time payments. She recently ran past 30 days for one payment. They reported me as delinquent and my credit dropped from about XXXX to XXXX. No one advised me of a delinquent payment or requested that I make up the difference to make things right. They just hit my credit report. I realize that I co-signed for a loan but this is just wrong. Im not even the principle borrower.

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 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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 : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$22000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2023-07-29
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in 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 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Owed : {$300.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Balance Owed XXXX {$300.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 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 non-monetary relief
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: AR
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 XXXXXXXX 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 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 2023-04-24
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: Account status incorrect

Complaint:
To Whom It May Concern, I am writing to file a complaint against Equifax and XXXX regarding an inaccurate collection account that is being reported on my credit reports. The XXXX XXXX XXXX account is in violation of the Fair Credit Reporting Act ( FCRA ), which states that any incorrect information reported shall be verified or deleted from the report. 

The collection account in question is for XXXX XXXX XXXX in the amount of XXXX. According to my records, I have never had any dealings with this creditor, and I do not owe them any money as of XX/XX/2023. Furthermore, the collection account has not been verified by XXXX XXXX XXXX or any other entity, despite my requests for verification. 

I have attempted to dispute this collection account with XXXX XXXX XXXX and the credit bureaus, but it remains on my credit report. This inaccurate information negatively impacts my credit score and ability to obtain credit and loans. 

Therefore, I request that the collection account be deleted and removed from my Equifax and XXXX credit reports immediately. I also request that XXXX XXXX XXXX cease all collection activities related to this account. 

Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: KY
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 mt 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 : 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 explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 mt 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 : 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 2023-04-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Few days ago I checked by Wells Fargo bank accound and found out I suddently lost {$10000.00} on it, and I quickly discovered on XX/XX/ and XX/XX/ there are transactions of a total of {$10000.00} to one/multiple XXXX  account ( s ) with my name on it. I have never opened an account at XXXX, so I called XXXX and asked what really happened. They said it might be identity theft because they discovered that somehow someone was able to obtain my name, SSN and physical address to create a bank account at XXXX, the email address and phone number of the account at XXXX were both invalid. So people at XXXX assisted me to file disputes for both transactions, I also contacted Well Fargo about that and they also file disputes for both of them. I also filed a report on IdentityTheft.gov, and from my email I did actually receive some card fraud alerts from visa that some purchase I need to verify, but the last 4 number of the debit card on the email was XXXX which I am not fimiliar with. I contacted visa about this they say this card is from XXXX which again as aforementioned.

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 2022-12-22
Company: Paramount Recovery Systems, L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I keep telling these people daily I will not give them my personal info, and they call and call again, I told them they are a 3rd party, not the original debtor to show me that I owe them they won't. I want the calls to stop this isn't even on my credit they are harassing me constantly. The lady gets smart each time I tell her to stop it. This is causing stress in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Bridgecrest Acceptance Corporation
State: MN
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 HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I PRESUME THAT NO PROOF OF ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.

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 2023-04-24
Company: Experian Information Solutions Inc.
State: OK
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 sent letters to XXXX, Experian and XXXX on XX/XX/23 stating they were reporting inaccurate and incomplete credit information on my profile. I have yet to receive correspondence on their investigation and it has been 30 days.

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 2023-04-24
Company: ENOVA INTERNATIONAL, INC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Net creditXXXX XXXX check my credit and made an inquiry XX/XX/2023. I never applied for a loan of any kind in years. This is a fraudulent application

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
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 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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
They're reporting me as late even when I'm not that's why I want you to look at the documents that I've attached.

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 2023-04-24
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I recently provided a client with a consultation on how to repair his personal credit and establish a business entity after service was rendered he request a refund at which time PayPal complied I have submitted proof that service was provided with screenshots and also advised PayPal that it would be a fcra violation PayPal has made numerous threats to garnish money out of my account using threatening messaging to retrieve a so called debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: MI
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:
Its showing the account is closed but it is still open and I ; m paying on 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 2023-04-24
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
ask for validation of debt over 30 days ago and they never sent it.

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 2023-04-24
Company: World Acceptance Corporation
State: SC
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:
WORLD FINANCE ALLEGEDLY STATES THAT THE FIDICUARY XXXX XXXX OWES THEM AN ASSUMED DEBT OBTAINED AT ONE OF THEIR BRANCHES. I HAVE NO KNOWLEDGE OF SUCH ACCOUNT. THEY CLAIM THAT THE CONTRACT BEARING XXXX XXXX SIGNATURE GIVES THEM CONSENT TO REPORT THE ALLEGE DEBT TO THIRD PARTY AGENCIES BUT THE CONTRACT RECEIEVED ; DOES NOT HAVE A SIGNATURE BEARING ON PAGE 4 OF 4 " AUTHORIZATION TO COMMUNICATE WITH THIRD PERSONS '' ALTHOUGH, INITIALS ( TWO LETTERS ) ARE PRESENT IT STILL DOES NOT REPRESENT THE FACT THAT THE ACCOUNT WAS MADE TO XXXX XXXX NOR WRITTEN PERMISSION OR PERMISSIBLE PURPOSE TO REPORT SUCH DEBT. THE CONTRACT DOES NOT CLEARLY STATES THAT THE DEBT WITHIN THE CONTRACT WOULD BE REPORTED UPON DEFAULT. WORLD FINANCE XXXX VIOLATES THE LAW ACCORDING TO 15 USC 1605 REGARDING A FINANCE CHARGE. THE LAW STATES THAT WHERE THERE IS A FINANCE CHARGE IT IS DETERMINED TO BE THE SUM OF ALL CHARGES INCLUDING INTEREST, FEES, PREMIUMS AND ALL OTHER CHARGES APPLICABLE. WORLD FINANCE CONTRACT REPRESENTS THAT THERE IS A FINANCE CHARGE. WORLD FINANCE CORP CONTRACT INDICATED PROOF OF PPREDATORY LENDING UPON USURY. WORLD FINANCE CORP CONTINUES TO REPORT ON A CHARGE OFF DEBT AND ATTEMPTS TO COLLECT ON A DEBT THAT IS CHARGED OFF. WORLD FINANCE CORP ASSUMES XXXX XXXX OWES THIS DEBT. WORLD FINANCE CORP IS VIOLATING MY RIGHTS THAT CONGRESS HAS SET FOR CONSUMERS OPERATING IN COMMERCE. 
WORLD FINANCE CORP HAS DEFAMED MY CHARACTER AND DESTROYED MY CONSUMER CREDIT REPORT. 
WORLD FINANCE CORP HAS DESTROYED MY CONFIDENCE IN THE ECONOMICAL MARKET.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Synovus Bank
State: SD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 rights. 
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 any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
The account where openned under my name, ss, and I found out that I had identity theft happen back in 2019, I had a state police contact me about my name being used for fraud. I was asked to come into the state police location and do a report of my own. Here are the three reports I have had to make regarding identity theft : XXXX XXXX XXXX I have tried to contact all the parties involved and none of the credit card companys have done anything to remove from my credit report. I have on my credit report a notice that I have identity theft done. I've had my bank even contact me during XXXX about about someone trying to access my banking information. 

The accounts I did not open are the following : XXXX XXXX  XXXX XXXX XXXX Discover Bank The police reports I have filed details the accounts that were from the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
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:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries, nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC. Please see the attached FTC Report and remove the unauthorized inquiries from my credit 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 2023-04-24
Company: Netspend Corporation
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Someone stole my card and my pin and charged money, withdrew money and netspend is not wanting to help resolve my 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 explanation
Consumer complaint received 2023-04-24
Company: U.S. Auto Credit Corporation
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The credit bureaus keep disrespecting the laws and so does this company. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on Someone needs to hold them accountable for this Furthermore I have been disputing this for over a year. It has been removed from my husbands credit report I want it removed from mine! 

They have sent me letters but not a contract WITH THEM SHOWING I OWE THEM THIS DEBT. I HAVE NO CONTRACT WITH THEM. Statute OF LIMITATIONS AS WELL. 
ALSO HOW IS THE ORIGINAL CHARGED OFF AMOUNT AROUND $ 7k and its now showing over $ 12k owed! 

15 USC 1692f UNFAIR PRACTICES

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In review of my credit files, I noticed that there was a " collection '' being reported to all three credit bureaus from Portfolio Recovery. I wrote to Portfolio Revcovery on XX/XX/2022 in regards to a " collection '' account that they placed on my credit file. ( See attached letter ) They, in response sent a letter dated XX/XX/2022 stating that they had completed their investigation and established that the account was " valid. '' They also sent a " Simple '' invoice as their " Proof '' of validity '' which does not provide me with the information originally requested. 
( See Attached letter )

Company response to consumer: Closed with explanation