BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-21
Company: EQUIFAX, 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:
Hello, my name is XXXX XXXX XXXX, and 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 this change. 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 Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: Experian Information Solutions 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:
2nd Request..these are not my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
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:
Hello, my name is XXXX XXXX XXXX, and 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 this change. 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 Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It's been more than 30 days and you as the credit reporting agencies are in VIOLATIOXXXX of this law because I am a victim of identity theft! Please remove these accounts 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 2017-02-23
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
Despite being notified that a {$69.00} charge from XXXX was fraudulent and unauthorized, Barclaycard refused to reverse the transaction. They made no effort to verify the nature of the transaction but based their decision solely on the fact that it " appeared '' to be a recurring charge.

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 2016-07-31
Company: PNC Bank N.A.
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I HAVE A VERY LOW VISION PROBLEM. PNC, MY BANK KNOWS THIS. PLEASE EXCUSE THE CAPS.BUT I CAN NOT WRITE THIS NOTE WITHOUT THEM. MY BANK IS CONTINUING TO TAKE ADVANTAGE OF ME AND MY XXXX. THEY ARE TRYING TO GET ME TO WAIVE MY RIGHT I BELIEVE BUT I CAN NOT READ THIS TINY PRINT EVEN WITH MY ASSISTIVE DEVICES. THEY HAVE TAKEN ADVANTAGE OF ME BEFORE AND CONTINUE TO DO SO AS RESPECT HIGH UNDISCLOSED FEES AND RETURING MY CHECKING EVEN THOUGH I HAD ACTIVATED AN OVERDRAFT CREDIT LINE WITH THEM. ThEY REFUSE TO HELP ME WITH THESE PROBLEMS. NOW THEY SEND ME SOME TYPE OF WAIVER NOTICE, I THINK, THAT I CAN NOT READ. MY NEIGHBOR THINKS IT IS TRYING TO GET ME INCLUDED AN ARBITRATION ONLY RELIEF OF THEIR UNKIND AND UNREASONABLE ATTEMPTS TO PUNISH ME FOR FILING A COMPLAINT WITH YOU. I HAVE ASKED PNC BEFORE TO SEND ME ONLY LARGE PRINT NOTICES. THEY REFUSE. I AM XXXX IN MY RIGHT EYE AND CAN NOT READ WITH MY LEFT WITHOUT ASSISTIVE DEVICES WHICH HAVE LIMITS. I FEAR THAT THEY ARE TRYING TO TAKE AWAY FROM ME MY RIGHT TO APPEAL TO YOU FOR HELP. THEY HAVE RECEIVED MY XXXX CHECK BY DIRECT DEPOSIT FOR MANY YEARS. THEY KNOW THEY WILL GET IT. I LIVE ON IT. AFTER ALL THE FEES THEY HAVE PUT ON ME I AM VERY WORRIED. I AM XXXX AND SHOULD NOT HAVE TO KEEP WORRYING WHAT TRICK MY OWN BANK IS GOING TO TRY ON ME NEXT. PLEASE HEL P ME. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: Direct Recovery Services, LLC
State: MO
Product: Payday loan
Issue: Can't contact lender

Complaint:
HARASSING PHONE CALLS ON MY CELL NUMBER, THREATHEN TO SUE AND JAIL TIME IF DEBT IS NOT PAID, PERSON STATES THIS IS FOR A LOAN IN 2013, I FILED BANKRUPTCY IN 2013 AND ALL MY DEBT WAS LISTED, CALLING FROM PHONE NUMBER IN MINNESOTA. person kept YELLING AT MY REGARDING THIS DEBT she was RUDE AND WOULD not LISTEN, she TOLD ME I NEEDED TO PAY THIS DEBT BY XXXX TODAY OR ss NUMBER NAME WOULD BE LISTED WITH FBI FOR INVESTIGATION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-07-21
Company: Self Financial Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act ACCOUNT XXXX XXXX account number XXXX has violated my rights, XXXX XXXX XXXX account number XXXX has violated my rights, XXXX XXXX XXXX XXXXXXXX account number XXXX has violated my rights, XXXX XXXX XXXX  ACCOUNT NUMBER XXXX has violated my rights balance for acct is {$350.00}, XXXX XXXX XXXX has violated my rights for acct XXXX Balance XXXX XXXX XXXX  account number XXXX has violated my rights, XXXX XXXX  account number XXXX Balance XXXX XXXXXXXX XXXX has placed multiple accts on on my XXXX XXXXXXXX XXXX has violated my rights, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX dollars, XXXX XXXX BANK XXXX account XXXX XXXX has violated my rights balance is {$720.00}, XXXX XXXX XXXX account XXXX XXXX, 15 U.S.C. 1681 section 602 A. States I have the rights to privacy. 15 U.S.C 1681 Section 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am victim of identity theft someone has used my social to get medical care and another account in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
I lost my job a few years ago, and have been having problems paying back my credit cards. Even though I do not give the full amount I try to pay something instead of nothing currently I have been having issues with XXXX they turned my debt over to a third party collection agency who keeps asking for a large lump some of money or to pay off the amount and they will not accept the funds I 'am trying to give this company also will not send me any type of billing statement. As of now this company is trying to sue me, I wanted to know my options that I have to settle this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There are some suspicious activities that occurred on my chase checking account on XX/XX/XXXX. Including two unauthorized deposits for a total of {$5800.00} and one unauthorized teller withdrawal for {$600.00}. 
On XX/XX/XXXX I noticed these suspicious activities and I contact the customer service immediately telling them I believe this is done by a fraudster and I'm a victim of identity theft. I explained that when I renew my driver 's license in XX/XX/XXXX, it was lost in the mail. After that I keep receiving mail from other banking institution about someone is trying to open accounts under my name. By this evidences, I assume that my driver 's license was been stolen and identity theft is taking advantage of it. After hearing my explanation, the chase bank customer service freezes my account to prevent further damage. 
On XX/XX/XXXX, chase bank returned the unauthorized deposits for a total of {$5800.00} from my account but the unauthorized withdrawal was still within my account. 
On XX/XX/XXXX, I went to the chase XXXX XXXX branch to submit a UCC form for them to investigate this unauthorized transaction in order to reimburse my account. The chase bank representative also helps me to open a new account and transfer the balance to new account which is negative this time. 
On XX/XX/XXXX, I report the identity theft to FTC. 
On XX/XX/XXXX, I report identity theft to the local police department. 
On XX/XX/XXXX, I received the notification from chase bank stated my claim is denied, they refuse to reimburse my account because they believe the transaction was authorized and chase bank customer service representatives say there's no appeal process I can take.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-12
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Paypal account on XXXX XX/XX/XXXX was locked for 180 days due to Acceptable Use Terms of Violation. I contacted Paypal customer service and stated can you please tell me what transactions were in violation of the agreement? I said I am reading over the agreement and I do not see any transactions. Paypal stated no we can't tell you what transactions. I said so you are telling me I am in violation and your company can't elaborate? I said can you get me in touch with a representative that can assist me. She said no you can withdraw your funds in 180 days. I said ok I will wait. Fast forward to XXXX XX/XX/XXXX I checked my Paypal account and they took XXXX of my money. They transferred the my whole balance back to themselves. I called Paypal support and she stated XXXX in damages. I said what damages can you show me some documentation. She stated no. I said can a supervisor please call me back. I believe this is poor customer service and basically theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-12
Company: EQUIFAX, INC.
State: NE
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:
If you check the documents you will see all the letters I have sent, please read everything. I need you to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: Experian Information Solutions Inc.
State: FL
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:
Experian. XXXX and XXXX has XXXX inquiries on my credit report I dont recongnize. I sent letters to all three asking them to remove 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 explanation
Consumer complaint received 2021-12-12
Company: Stevens Business Service, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Issue : Collections account is in violation of the statue of limitations. Reported incorrectly or not at all : date of first delinquancy, serviced utility address. 
Disputed with XXXX and XXXX multiple times in the last XXXX years. 
XXXX amount : {$280.00} XXXX : file accessible : XX/XX/2021 XXXX : XX/XX/2021, XX/XX/2021 Actions taken by reporting agencies : Disputed information accurate. Reported incorrectly. 
Not sure what to do anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I received letters, XXXX XXXX XXXX XXXX dated XXXX/XXXX/17 and XXXX XXXX dated XXXX/XXXX/17 ), from two furnishers on my consumer report stating they did not service the accounts. XXXX and XXXX deleted both, however, Equifax refuses to delete. I submitted the letters to Equifax and ask them to delete the accounts off of my consumer report and they are still refusing to do so even after I sent them copies of the letters from each furnisher. I called and spoke with an agent that stated they had completed the dispute and that they did not have anything from the two furnishers stating that they no longer had the accounts. The letters from both furnishers are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed to with a promise to get funded for a XXXX loan increase after XXXX announced that they were shutting the portal down and these people said that they were from XXXX and could help me get my paper work pusshed through before deadline for my XXXX loan increase. I should have known better but they were referred by a trusted source on XXXXXXXX XXXX, so I thought. So I texted them and communicated by text ( see below ) desparate.. I XXXX {$950.00} to a XXXX XXXX at phone # ( XXXX ) on XX/XX/2022. They asked for {$890.00}. I was so nervous that I accidentally hit {$950.00}. XXXX never contacted afterwards and the people who referred me to her never contacted me nor answered my calls. I called my bank, Bank of America and they said that there was nothing that they could do after contacting the recipient 's bank which is XXXX, I tried to contact that bank XXXX department but could not get directed to the proper department. 

I do not understand why my bank Bank of America, who knows that my money went to a XXXX XXXX customer, could not inform XXXX XXXX that I was scammed by a customer at their bank. And me being a loyal customer of Bank of America for many years should have received more help with my claim. 

XXXX XXXX should have investigated and asked me for the proof of my interactions with the scammer who falsely represented herself through social media. 

My Bank can be contacted with proof that I did file a claim. They never asked me for documents ; Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: 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 Equifax and TransUnion are required to remove 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 is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : - ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the XXXX and TransUnion 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 2017-10-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I had my credit pulled for the very first time in XXXX of this year to discover that someone else 's bills were reporting on my credit report. I am XXXX XXXX XXXX and have never had any credit established in my name until just 9 months ago when I got my XXXX 's account and that was only a small {$250.00} limit. When I got my credit report I was shocked to see 3 collection accounts with XXXX XXXX XXXX, XXXX, and some company named XXXX that I have no clue who or what that is. I have a prepaid phone since I was XXXX with XXXX because that is all I can afford with my part-time job. XXXX XXXX XXXX and XXXX both declined me for a phone and plan with them. I submitted a dispute on XXXX XXXX to inform all 3 credit bureaus that these collection items were not mine and that they needed to remove them from my credit report. I got a response from was the removal of XXXX XXXX XXXX and XXXX but they claimed that they verified that XXXX belonged to me ; TransUnion 's response was the removal of XXXX XXXX XXXX and XXXX but they claimed that they verified that XXXX belonged to me, and XXXX XXXX  reply was that they verified that all 3 collections items belonged to me. I responded to all 3 credit bureaus advising them that their results could not be true and that I would like to have them mail me the proof of how they verified these items they refused to remove and mail me a copy as it is my right under the Fair Credit Reporting Act. None of them responded to my 2nd or 3rd attempt. It is now 4 months since I alerted these credit bureaus that they are reporting inaccurate information on my file in violation of my rights and they will no longer respond to my letters. I am seeking to be a XXXX one day and my credit is a big part of me getting there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate the remaining disputed account in my credit report. As of todays date, XXXX and TransUnion have not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX. I believe it was reporting in error. 
XXXX XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2020-06-13
Company: CREDIT ACCEPTANCE CORPORATION
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:
Credit Acceptance Corporation has recently started displaying an account status of late 120 days on my credit report. This is incorrect as the account was previously reported as a repossession & was previously charged off. I have never received any response to validation of debt requests nor any response to this issue. The account is too old to be reported on my credit report according to Texas state law. This is my final attempt to resolve the issue before filing suit according to FCRA & the Texas Fair Debt collection act. I do not acknowledge this debt as I have never received validation.

Company response to consumer: Closed with explanation