BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-09
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: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$11000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the fair credit reporting act. The account below has violated my federally protected consumer rights to privacy and confidential under 15 usc 1681. 

Account : XXXX XXXX XXXXXXXX Open/closed Closed Date opened XXXXXXXX XXXX XXXX  Account type Credit Card BY XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Phone number ( 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 war sever 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 delete the following 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. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-12-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/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 XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2023-01-28
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent Greensky paper work on XX/XX/XXXX, company did not respond, sent second notice on XX/XX/XXXX company responded with transaction history, a electronic signature and contract that doesn't prove the debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: DC
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:
When I reviewed my credit report, I discovered that some of the accounts was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Balance Owed : {$3300.00} XXXX XXXX XXXXXXXX Balance Owed : {$690.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$6100.00} XXXX XXXXXXXX XXXX Balance Owed : {$1100.00} XXXX XXXXXXXX Balance Owed : {$91.00} XXXX XXXX Balance Owed : {$31.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$37000.00}

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 2022-11-27
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have been a victim of identity theft. As a result, fraudulent, inaccurate information has been added to my report. The following accounts have violated my consumer rights according to XXXX XXXX XXXX, and XXXX XXXX XXXX ( XXXX ). 

Companies/Accounts XXXXXXXX XXXX XXXX XXXX XXXX  ( reporting a balance of XXXX ) I demand these accounts be REMOVED AT ONCE XXXX XXXX XXXXXXXX XXXX XXXX  - Explains identity theft and accounts reporting. 
XXXX XXXX XXXX XXXX XXXXXXXX- Explains I have the right to pravicy when it comes to what is being reported on my credit. 
XXXXXXXX XXXX XXXXXXXX ( A ) ( XXXX ) - Explains no one can furnish any information on my credit report without my consent. If i have reasonable belief that account is fraudulent is must be removed. 
I am seeking litigation and results at once. I am asking also that all information regarding these accounts be sent to my address on file. I am seeking ALL DOCS including Docs containing my ORIGINAL SIGNATURE used to open this account. If companies can not produce I will seek litigation on my personal behalf, these to accounts have been ruining my life for a long time. 

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 2023-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XXXXXXXX XXXX Capitol One, and XXXX money still sending credit and loan pre-approvals through the mail even though I am opted out of mailings for offers on the websites of each company and on pre-screen opt out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to Transunion was dated XX/XX/2022, but I never received a response from them. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please fix the account : 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 non-monetary relief
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am interested in disputing all unauthorized information on my credit report with 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 non-monetary relief
Consumer complaint received 2023-07-24
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase on XX/XX/2023 a product " I thought was made in America '', an American made product, and after I investigated the matter further, I discovered the product was made and being shipped from " XXXX XXXX '' ( Doesn't say that on the website when ordering ( deception advertisement ). So I immediately cancelled the order by email, but the merchant has chosen not to cancel the order even though it was " cancelled within " 24 '' hours '' of it being ordered ( see screenshot of merchant email ). I have a right under American Consumer laws to cancel a order if it is canceled within 24 hours before shipping. I Have sent several emails to that affect to no avail. They have sent a tracking number saying the order has been shipped even though I requested the order be cancelled over 12 days ago. ( see screenshots ). I filed a dispute with XXXX credit ( case # XXXX XXXX XXXX 12 days ago asking the order to be cancelled and refund my money to my paypal credit account to no avail, they sent me a tracking number this morning, but I still do not want the order. I cancelled the order over 12 days ago. Paypal credit refuses to close the case and refund my money which is my right as an American Consumer, according to the FTC, CFPB and FRCA.

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 2023-08-15
Company: EQUIFAX, INC.
State: IL
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:
To whom it may concern I XXXX XXXX XXXX pulled my credit report on XX/XX/XXXX. I noticed inaccurate information was reporting on my personal information section. I then sent dispute letters to all three credit bureaus via certified mail with return receipts on XX/XX/XXXX. I sent in proof of residency of my check stub, my government identification card and my social security card to prove my identity. I then looked at my credit report on XX/XX/XXXX just to see have changes been mad to my correct my personal information. XXXX XXXX and XXXX failed to make any changes to my consumer reports. I then tried again on XX/XX/XXXX sent another certified letter to get my information correct but all three credit bureaus still failed to correct my information. My name and is reporting wrong and XXXX like my information completely immediately. I am afraid I maybe a victim of identity theft because so many different names and addresses on my credit report. I hope this process will be successful and not continue to violate my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: Kriya Capital, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CREDENCE RESOURCE MANAGE. 
Continues to state I have a collection account for {$340.00} for XXXX XXXX XXXX. I never received written communication from XXXX XXXX XXXX or Credence Resource Manage for any type of account. This account was the result of a fraudulent act committed by a criminally abusive boyfriend who had access to my private information. He had no permission to use my information for his phone plan. They continue to post this on my credit report and I have to relive the pain caused by him each time they deny my dispute. I just want this to be over with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/ I contacted XXXX XXXX XXXX in writing to discontinue reporting the fraudulent collection account XXXX to my credit report as you are in violation of FDCPA. On XXXX  I contacted XXXXXXXX XXXX XXXX XXXX in writing to discontinue reporting the same fraudulent account XXXX. To date, XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX  have responded to my request or discontinued reporting the associated fraudulent account to Equifax, XXXX, and XXXX XXXX XXXX XXXX. I did not request or obtain credit from XXXX XXXX XXXX XXXX nor am I liable for any debt to XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX, or any factoring company. In addition, I have filed a Police Report regarding these fraudulent accounts with the XXXX Police Department and attached my FTC Identity Theft Report and provided copies to Equifax, XXXX, and XXXX Credit Bureaus to dispute and delete this fraudulent collection account and any inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
On XXXX XXXX, 2016, the borrower 's loan servicer, Nationstar, approved him for a trial modification. That trial modification commenced with a XXXX XXXX, 2016 payment. The borrower made all payments under the trial modification, and on XXXX XXXX, 2016, Nationstar approved the borrower for a permanent modification. The borrower executed the permanent modification agreement and mailed it to Nationstar on XXXX XXXX, 2016. On XXXX XXXX, 2016, that permanent modification agreement was delivered to Nationstar. 

On XXXX XXXX, 2016, the borrower mailed a qualified written request ( " QWR '' ) to Nationstar, which was delivered to Nationstar on XXXX XXXX, 2016. In that QWR, the borrower requested the fully executed copy of the permanent modification agreement ( i.e., the copy executed by both the borrower and Nationstar ). Under XXXX Nationstar is required to provide the borrower the requested documents and information within 30 days of receiving the request. However, to date, the borrower has not received the fully executed copy of the permanent modification agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$35.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$120.00} XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2023-06-27
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was the victim of XXXX and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was incapacitated. Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of XXXX XXXX and the XXXX  of a XXXX individual as documented in XXXX  reports. I have had to flee XXXX miles with my XXXX XXXX XXXXnd these issues are hindering my ability to house my XXXX XXXX and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. The proper law enforcement ( XXXX  ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. Please remove these accounts from all XXXX reports as I am not legally responsible for them as I was medically incapacitated/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation. 


I am unsure why either ZALES XXXX XXXX would have had a XXXX response, as the report shows Comenity is the " owner '' and the accounts were sold. 

My report shows both accounts XXXX responded to me as " owning '' originate with comenity capital ( as does a Victoria 's secret card that is not mine ) not XXXX. I have never had a XXXX account of any kind. 

The XXXX account is listed as XXXX and is listed as XXXX and XXXX owed and opened in XX/XX/2108. 

IF the Victoria 's Secret Card is also XXXX 's, and once Again ALL XXXX are listed as XXXX XXXX  on my report, that would also need deleted. 

The account, account number XXXX, reference number XXXX XXXX XXXX  on XX/XX/2017 and was opened with Victorias Secret. The Zales account account XXXX XXXX XXXX, formerly Zales is listed as Comenity. 

ALL THREE should also be referred to the collections agencies they were sold to for deletion immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
There are restrictions on paypal accounts and prevent transactions or withdrawals from being made. I've uploaded various documents and tried to contact customer service but it didn't solve the problem. I also have complete verification and documents to solve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Paypal Holdings, Inc
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I received {$1000.00} on XX/XX/XXXX via PayPal, however, they would only let me transfer out a portion of the money to my bank account. They are holding {$170.00} stating that it is on hold because I am only allowed to transfer {$800.00} a month out of my account. This is absurd that they are holding my money hostage!

Company response to consumer: Closed with explanation