BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-18
Company: Sunset Management, Inc
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
They mailed me a predatory loan in XX/XX/2021 before XXXX now they are continually harassing me by showing up to my residence invading my privacy, coming on my property and being unprofessional and even cursing towards me. 
The very first time they came in XXXX I told them to not come to my home again but since then they have came back to my house 5 to 6 times. Twice they came and my son ( which is a minor ) answered the door and they even had the audacity to hand him documentation of the loan and did not ask for a parent. I told them to leave my property or I will call the cops and I was cursed at after I told them that. They have been causing my distress on my mental health and hostility not to mention doing this infront of my XXXX minor kids.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$360.00}, {$320.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNTS -- 1. XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 

2. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Experian Information Solutions Inc.
State: DC
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 FCRA 15 U.S. Code 1681i XXXX XXXX, XXXX and Experian has been violating me for sometime. This is my second attempt to get these alleged accounts removed. I have provided attachments of proof of the inaccurate consumer reporting. I, consumer have the right to privacy and these Consumer reporting agencies have not provided me with any consent to furnish any of these alleged and inaccurate accounts. These accounts are causing me anf my family financial damage. 

15 U.S.C. 1681 Section 604A Section 2 : States a consumer reporting agency can not furnish a account without my written instruction. 

15 U.S.C. 1681 Section 602 A. States i have the right to privacy. 

Delete these account immediately, unless you want to be held liable for {$1000.00} per violation XXXX  ACCOUNT # XXXX XXXX XXXXEXPERIAN DEPTEDXXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX/EXPERIAN US DEPT ED ACCOUNT # XXXX XXXXEXPERIAN  USDOE/XXXX ACCOUNT # XXXX XXXX/XXXX/EXPERIAN XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX  XXXX ACCOUNT XXXX XXXX XXXX XXXX EXPERIAN

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 2017-06-19
Company: Sterling Infosystems Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
On XXXX/XXXX/17 I applied for a job working with XXXX. The company ran a Confidential Background Screening report on me. Within the next few days they told me that based on the information they received from Sterling Talent Solutions, they could not invite me to work for their company.
I did receive a copy of the report and it does state that the length of my XXXX XXXX was 46 Years, not 46 Months like it should. This is a huge mistake and I would like to know where they received their information from because I spoke with the Attorney Generals Office and they recommended that I write to your company to fix this information because in all their reports it states 46 Months, not years.

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 2022-03-14
Company: CITIBANK, N.A.
State: MD
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:
After several disputes and sending in ftc forms and explaining i am a victim of identity theft i am now sending in a validation of debt and demanding deletion of account

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 2022-02-18
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not authorize to consent to nor benefit from the following account ( s ). Block and Remove.

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 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete the following items as soon as possible : XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX, XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXXXXXX XXXX XX/XX/2022 XXXX 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 2017-06-19
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
The issue relates to a BlueBird by American Express prepaid debit card ending in XXXX. On XX/XX/XXXX, I returned some clothing items to a XXXX XXXX store in XXXX, VA in the amount of {$520.00} ( return receipts attached ). The original purchase was originally made on a different American Express card, and the BlueBird by American Express card at issue was mistakenly presented to the merchant for the return. The merchant processed the return to the BlueBird by American Express card/account in accordance with its own policies. The credit balance showed up on my BlueBird by American Express account within a day or two. On XX/XX/XXXX, American Express informed me by email ( attached ) that it closed my account because it could not find corresponding debits to the {$520.00} in credits. The email from American Express further states that funds in the amount of {$520.00} " have been returned to the merchant. '' Almost a year later, despite over a dozen calls by me to American Express, the funds remain in my closed BlueBird account as of today and have not been returned to the merchant. American Express readily admits this each time I call in : its representatives have stated each time that I have called that the funds remain in the account, that the account is closed, that the funds can not be returned to me, and that the funds will be returned to the merchant, without providing a timeline ( even though American Express has already stated in writing that the funds were already returned ). Attempts to engage with American Express regarding the reasons for closing the account and/or remedying the situation have been unsuccessful. After almost one year, the merchant has not received the funds. Based on my discussions with the merchant, the merchant is not interested in retrieving the funds from American Express because the original items were paid for in full and subsequently returned in accordance with the merchant 's policies. American Express has been holding these funds for almost a full year. American Express 's written communication from almost 1 year ago indicated that the funds " have been returned to the merchant. '' American Express, by its own omission, has not returned the funds almost a year after making this statement. This is fraud committed by American Express, as this statement was made in an attempt to deceive. I am requesting that a check in the amount of {$520.00} ( the account  balance ) be sent to me immediately and the BlueBird account formally closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-13
Company: EOS Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The collection company EOS has failed to Validate debt said owed for client  XXXX   XXXX    XXXX    after several attempts sent to request proper validation. Attached you will find a letter from  XXXX   XXXX  a representative from  XXXX   XXXX  the balance is in the process of being reduced to  XXXX  dated on  XXXX / XXXX / 15 . This balance has been fully paid for by The Department Of Education. I do not have any contract or agreement with EOS or  XXXX   XXXX   XXXX .     The collection company  EOS  will not stop pursing me for a debt not owed.     I recently received a letter from your firm regarding an old debt from. Under the FDCPA, I have the right to request validation of the debt you say I owe you.     Under the Fair Debt Collection Practices Act, I have the right to request that you cease communication with me, and I would like to exercise that right. Please stop all contact with me, except to let me know that this matter is now closed.     Your immediate attention to this matter is appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: NV
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:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete the following items as soon as possible : XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX, XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I filed disputes with XXXX, Equifax and XXXX  identifying accounts that were open fraudulently. I submitted reports from Identity Theft .Gov. The 3 credit reporting agencies removed some accounts, but eventually placed them back on my credit reports. The current credit card I do have is not being updated on either credit bureaus correctly. I have notified all 3 credit reporting agencies of addresses on my report I have never lived

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal limited my account for no reason and will not help me with getting it back up even if i tried to resolve this already. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for days but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
This has been an on going battle since XX/XX/2008. My compliant starts when this company ( at the time was Sallie Mae ) told me that there was nothing that they could do to help. I was laid off, and with my unemployment checks I paid my student loans and kept them current until my last check I called and was told there was nothing. I paid {$200.00} at least 4 times for a forbearance which didn't go to my loan, just lined the companies pockets. As I struggled to make my payments I would pay as much as I could month. I got a letter saying I have not paid anything so I called and asked about this. I was told the money was going into a " piggy bank '' until a full amount was reached to pay the monthly amount. That's not right. So while I was making payments they were not being applied to anything and hurting my credit and making my bill larger with penalties and late charges. After years of this going on my bill has gotten out of control that I'll never be able to get out of. I've talked to several lawyers to file for bankruptcy with no help. I got my wages garnished by some collection company that I called and we worked out a XXXX dollar payment a month which I did and did successfully so last year I filled another IBR and I got a letter saying my payments are going up {$760.00}. There's no way I'll be able to make that payment a month and this is just getting ridiculous. My school shut down, I never got a job for what I went for and student loan forgiveness doesn't help me and it's all because of this company completely ruining my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which 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, J XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$340.00} XXXX  XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2022-02-19
Company: The Bureaus, Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello as of XX/XX/2020 ive been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, XXXX and XXXX I discovered multiple account of which i have no knowledge of. These accounts are fraudulent and I would like to report this incident. I have also notified the bureaus and was instructed to file out a police report. I also have filed a report with the Trade Commission about this incident. I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
When I complain and make requests for the permissible permission used to access my credit report on XX/XX/2017 from XXXX XXXX XXXX XXXX ( COAF ) and Experian, XXXX automatically labels without even reading This complaint appears to be about the same issues as your earlier complaint. XXXX is Experians client and neither have yet to supply the permissible permission to have accessed my credit report on XX/XX/2017. XXXX  is wrong, doesnt even read the complaints, and wipes their hands clean of this because they are trying to shield themselves from the wrongdoing and liability associated with unlawfully accessing a citizens credit report without permissible permission. Is XXXX a company in 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 2018-04-23
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX 2017 I went to the emergency room and provided my health insurance information to cover any charges due. I had XXXX XXXXXXXX at the time and assumed the costs were covered. XXXX XXXXXXXX denied my coverage initially, as they had done with thousands of other claims throughout the state, citing that they were backed up and unable to process the payments in time for each claim. The hospital placed the debt for collection with Transworld Systems with an internal account number of XXXX. Transworld reported the unpaid balance to various consumer credit reporting agencies, such as XXXX, stating that I owed the debt and the delay in payment was attributable to me, personally. 

Roughly 6 months later, XXXX XXXXXXXX paid the claim and the balance was updated to reflect a {$0.00} balance owed. However, Transworld did not request deletion of its tradeline, even though any delinquency was directly and only caused by XXXX XXXXXXXX, not by myself, and it was not something reasonably within my power to change. 

I have disputed the information as inaccurate to XXXX and XXXX, and explained I was covered under XXXX XXXXXXXX at the time, and any delay in payment was the result of errors or omissions by XXXX XXXXXXXX, but Transworld verified its reported information as accurate and told the credit agencies to continue to report the debt as one in which I was personally liable. The fact it  reports paid does nothing for me, since the very presence of the collection tradeline harms my score. In situations where payment problems are the result of insurance delays, my understanding is most debt collection companies will request deletion. 

Since this was not my fault, it is not fair that my personal credit scores are being harmed.

Company response to consumer: Closed with explanation