BEE-spoke-data/consumer-finance-complaints huggingface dataset:
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: Information belongs to someone else

Complaint:
Dear Sir/Madam, I am writing to dispute an account that is showing up on my credit report and is currently in collections. The account in question belongs to XXXX XXXX XXXX and has an outstanding balance of {$670.00}. I believe that this account has been inaccurately reported to the credit bureaus and should not be reflected on my credit report. 

Firstly, I have reviewed my records and found that I do not owe any outstanding balance to [ name of creditor ]. I have never received any communication from them regarding this account, nor have I ever made any payments toward it. Therefore, I believe that this account has been mistakenly assigned to me or that there has been some other error. 

Secondly, I have not been contacted by the creditor or any collection agency regarding this account. I was not aware of its existence until I checked my credit report. As per the Fair Debt Collection Practices Act, I have a right to be informed of any debt collection attempts made against me, and failure to do so is a violation of my rights. 

Lastly, I request that this account be removed from my credit report immediately due to the inaccuracies in reporting. The presence of this account is negatively impacting my credit score, and I believe that it is unjustified. 

I respectfully request that you investigate this matter and take the necessary steps to rectify this error. Thank you for your attention to this matter. 

Sincerely, 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 2023-04-24
Company: EQUIFAX, INC.
State: GA
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 


XXXX XXXX XXXX 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 any consumer reporting agency if the person knows or has reasonable to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 


XXXX XXXX XXXX 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 any consumer reporting agency if the person knows or has reasonable 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 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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: 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, and Transunion are reporting an account that should not be reporting on my credit report. The account is XXXX XXXX. The account was sold to another lender XXXX which was already reporting on my credit report before it was removed. I am requesting that the account be removed due to double jeopardy and the fact that the information is inconsistent between all 3 bureaus when all data furnished should be the same. Delete this account from my credit report immediately. I will attach the credit report showing the different payment history being reported. The account is highlighted.

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: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Hello my name is XXXX XXXX and this is my second complaint towards lvnv funding after they failed to rectify matters in my first complaint Please see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2017 I tried an online freeze of my credit ( considering XXXX breach ). Experian said it can not honor my request. Tried twice.

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: Resurgent Capital Services L.P.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Resurgent is acting as a collector for XXXX internet service. This service was terminated after I purchased a {$300.00} router from them and did not recieve adequate service ( internet never worked and they would never come and fix it ). 
When purchasing the router, I was told that it would be mine, I would not have to pay the rental fee, but if it were to ever break, I would be responsible for purchasing a new one as it was my owned property. This was over three years ago. 
The internet never worked, I paid {$80.00} to have them come fix it, still did not work. I canceled and they tried to hit me with early termination and have me return the equipment that I had purchased. I refuse to continue to pay for internet service that was not being delivered or return equipment that I purchased. XXXX turned me to collections. This debt has been handed down to four different collections because none of them can prove that I actually owe a debt, they just keep sending a fraudulent bill. 

I sent the following letter to each collector, including resurgent. : " Previously I had asked for proof of owed debt to XXXX internet provider. You sent me a bill from which they had charged me, however, those charges are fraudulent as the early termination was due to a lack of service on their end. I am lawfully able to refuse payment for services in which I did not receive. Additionally, they had billed me for the nonreturn for lease equipment, however I had already paid the {$300.00} in full for the modem and XXXX XXXX when they were installed. 

If you can provide me with a signed copy of a contract stating that I would return the equipment that I had purchased without reimbursement, that would then be sufficient proof.However, a copy of a fraudulent billing statement would not suffice as proof of debt. '' They then told me that I had to prove that I did not owe the debt. I explained to them that the burden of proof was not on me. They continue to send me mail.

Company response to consumer: Closed with non-monetary relief
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: 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, Equifax, and XXXX are reporting an account that should not be reporting on my credit report. The account is XXXX XXXX. The account was sold to another lender XXXX  which was already reporting on my credit report before it was removed. I am requesting that the account be removed due to double jeopardy and the fact that the information is inconsistent between all 3 bureaus when all data furnished should be the same. Delete this account from my credit report immediately. I will attach the credit report showing the different payment history being reported. The account is highlighted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: CL Holdings LLC
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Jefferson capitol on XX/XX/XXXX added a old debt that the original company knew it was reported as fraud they attached it to my credit profile as a debt collection I told them to remove the debt collection of XXXX of my report from a XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Credit Corp Solutions Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Sir/Madam, I am writing to dispute an account that is showing up on my credit report and is negatively impacting my XXXX XXXX. The account in question belongs to Credit Corp Solutions and has an outstanding balance of XXXX. However, I have no recollection of ever opening an account with this creditor, and I believe that this account has been erroneously reported to the credit bureaus. 

I suspect that this account may have been opened fraudulently or mistakenly assigned to me. As you may be aware, there was a recent data breach at XXXX, and my personal information may have been compromised. I have reason to believe that this account is a result of identity theft or fraud, and I request that the creditor provide proof of the account 's validity and my responsibility for it. 

Furthermore, I have not been contacted by the creditor or any collection agency regarding this account. As per the Fair Debt Collection Practices Act, I have a right to be informed of any debt collection attempts made against me, and failure to do so is a violation of my rights. 

Lastly, I request that this account be removed from my credit report immediately as it is negatively impacting my XXXX XXXX. This negative reporting is unjustified and unfair, and I have worked hard to maintain a good credit history. 

I respectfully request that you investigate this matter and take the necessary steps to rectify this error. Thank you for your attention to this matter. 

Sincerely, [ Your Name ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I keep receiving an Active Billing amount by XXXX to my paypal account. Despite being able to turn off active billing, the debt paid to XXXX should have never been paid by paypal. 

XXXX is falsly charging users for a PRO SERVICE EFFECT when using a FREE membership plan. 

Each month, paypal is being charged and paying XXXX to XXXX for a BILLING amount I have not agreed to nor am receive service from. 
I am not alone in this scam of users on a FREE sign up to receive charges for a pro membership cost that we can not even access via our free plan. 

I have paid fees to my bank to block anymore illegal charges from XXXX, but they continue to charge my paypal account. I have removed paypal to accept anymore charges, but Paypal still has 1 accepted charge for XXXX. Now I am illegal in debt with paypal for them paying a service that has is no longer available. I want these illegal charges held against me to end and paypal to charge XXXX for any refund or debt collection. Who knows how many people XXXX is currently illegally charging active billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Continental Finance Company, LLC
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX on XX/XX/XXXX added a old debt that the original company knew it was reported as fraud they attached it to my credit profile as a debt collection I told them to remove the debt collection of XXXX of my report from a matrix master card

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: 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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$630.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$7500.00} 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 2023-04-24
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:
XX/XX/2023 I sent correspondence regarding inaccurate and unknown things on my credit report to this day 63 days later I have yet to receive a response. I believe I am being taken advantage of and consumer rights violated. Per section 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( XXXX XXXX XXXX ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between a business entity not a personal account and XXXX XXXX XXXX. I demand these transactional late payments be removed immediately or I will seek litigation due to the violation of rights and breach of contract. Remove data entered XX/XX/2023 an XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: WA
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:
My XXXX-branded credit card was moved from XXXXXXXX XXXX to  XXXX last XXXX. I was signed up for auto payments. My XXXX statement clearly said that my XXXX bill would be paid in full by auto payment. However, no autopayment was withdrawn and my account was reported as " late payment '' to the credit bureaus. 

XXXX agreed to waive all late fees. Later, they realized the XXXX statement was not sent as it should and they further waived late charges and agreed to fix the credit report for issues relating to the XXXX statement. 

However, they never did correct my late payment ding on my credit report. When I wrote to them to ask that they fix it as they said they would, they simply said they were unable to approve a courtesy correction to my credit report. 

I do not believe that the late payment was any fault of my own. Rather, this was due to a XXXX error.

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: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Synchrony Bank has no transparency in payment allocation and customers can only request specific payment allocations by calling Customer Service after the payment is received and within the same month it is posted. The hold times to speak with Customer Service can exceed an hour and you have to go through multiple prompts from their automated system to get through! Today, I contacted Synchrony Bank regarding my CareCredit credit card account because, although I made extra payments to avoid pending interest, it was accessed for a promotional purchase for {$630.00} that expired on XX/XX/2023. I spoke with an account manager, XXXX, who indicated that closed transactions fall out of their system immediately, so she couldn't see what the payments made on XX/XX/XXXX ( {$50.00} ), XX/XX/XXXX ( {$250.00} ), XX/XX/XXXX ( {$150.00} ), and XX/XX/XXXX ( {$100.00} ), XX/XX/XXXX ( {$110.00} ), or XX/XX/XXXX ( {$100.00} ). 

I have another promotion expiring in XX/XX/2023 and they are not posting payments to it. Payment allocation isn't included on statements, you can only determine how payments were posted by comparing multiple statements and trying to calculate the difference in balances on multiple transactions, so you are left guessing if your calculations are correct.

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 2023-03-13
Company: Maximus Education, LLC dba Aidvantage
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Incorrect amount shown for student loan payment of {$3500.00} correct amount should be {$350.00} and I have statement showing correct payment amount with dept of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: ALLY FINANCIAL INC.
State: NC
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 recently checked my credit report and saw that on XX/XX/2022 there was an inquiry on my report from ALLY FINANCIAL. I did not authorize this. That has caused my credit score to decrease and now I'm very concerned that my identity has been stolen.

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: Self Financial Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Back in XXXX  I believe, I had opened an savings account with SELF credit. Where I had to make monthly payments to self and they will put it in a saving account and report it to the credit bureaus. I made every single payment on time with my saving account and it was also on a 12 month term. I recently was trying to get approved for a home loan and I discovered/ was informed that i had a recent delinquency on my report on a credit card and I didnt recognize nor know what the lender was telling/ describing to me. They then told me it was a self visa credit card and I told them I had a self saving account but no card. Was denied the home loan. I then reached to self and the number that was connected to the account on my credit report was connected to a prior employee at self that hasnt worked there in 9 years I called the number and he was telling me that. I then XXXX  selfs phone number and how to get in touch with them because I no longer had the app on phone so I had to look for their contact information. And while I was doing that I decided to redownload the app because I couldnt trust XXXX  phone number for this business. Ive let self know the issue in the apps chat and also called multiple time and informed them multiple times about this matter and was constantly telling them I do not recognize this card and I didnt authorize it I dont even physically have a self card. I recently just received a XXXX $ Check from self and I dont even know where that money comes from? Im super confused and they still havent removed this fraud off my credit report. And now I have a delinquent account on my credit report it is hurting me tremendously and I will like for it to be removed fixed and repaired.

Company response to consumer: Closed with explanation