BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-05
Company: Payfare International Inc.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I submitted to my employer, direct deposit information provided to me by XXXX by Payfare Inc. As a XXXX  I expected ease of access while on the go, working two jobs and being homeless so that I may afford necessities such as housing. My employer sent my XXXX deposit to XXXX by Payfare Inc on Wednesday XX/XX/2023 in the amount of {$400.00} to be deposited into account XXXX routing number XXXX. I confirmed with my employer on Friday XX/XX/2023 that the deposit was accepted by XXXX by Payfare and has not been returned to them for me to receive a paper check. Several representatives assured me my deposit would reach me by Monday, XX/XX/2023. When it had not arrived, I reached back out to my employer to see if it was returned for any reason and they confirmed it was not. I then reached out to XXXX by Payfare support around XXXX EST to find out what happened. I was hung up on and blindly transferred by several employees. I reached XXXX or XXXX who identified himself as a 2 year veteran employee with XXXX by Payfare who explicitly stated the do not accept direct deposits from outside entities or financial institutions, which is the opposite of the information provided on the Direct Deposit form provided by the company, as well as the XXXX Cardholder Agreement. He insisted that the form they provide is strictly for alternative forms of payment in case Dashers are missing XXXX deposits. He stated he would transfer me to a Payfare supervisor that was familiar with my situation and would assist with resolving my issue where he then proceeded to provide me a false callback number for Payfare of XXXX that does not ring, it simply drops the call. He placed me on hold for over an hour and I still have no knowledge of where my funds are. I received an ACH direct deposit from XXXX XXXX on XX/XX/2023 in the amount of {$5.00} with the same information provided to my employer that paid me {$400.00} and it was received correctly. The XXXX XXXX states an ACH direct deposit should be paid to users within 2-3 business days, which has been exhausted, up to 5 business days if there is a reasonable delay communicated by XXXX. I have no idea if and when I will receive my funds which has caused me to lose my job with my primary employer, losses for my vehicle as well as housing expenses that Ive needed to rearrange for due to not receiving my funds. I have also had to borrow several hundreds of dollars from loved ones to help pay expenses that were supposed to be covered by that deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
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: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : 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. The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.

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 2022-11-09
Company: Experian Information Solutions 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-09
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
State: GA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX 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 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have already sent a letter to the XXXX, XXXX, and Transunion Credit Bureaus last XX/XX/2022 requesting a verification and deletion of information on my credit file which I consider as fraudulent. Upon reviewing a copy of my updated credit report, most of the fraudulent accounts are still reporting on my credit report. I have been waiting for a response from the credit bureaus and yet I received nothing. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Also, the Credit Bureaus have been neglecting to comply with the FCRA section 605b and chose to not remove the disputed accounts from my Credit report. Once again, please remove the following accounts completely from my Credit Reports : 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 non-monetary relief
Consumer complaint received 2022-11-09
Company: DISCOVER BANK
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I went to the beach one time in XXXX and when swimming my phone and cards were stolen someone used them and racked up a large bill. Once noticed I took action and filed a dispute they cleared my account for a couple months then added everything back on. I tried again and they did the same thing. This card is discover. I live in a small island where we have limited stores since it was used in the same area as where I lived they are considering it not fraud but if there is only limited places to shop they can only go to certain places. Discover will not budge or help clear any charges

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX To Whomsoever it May Concern ; This about consumer credit transaction entered with your company XX/XX/XXXX and I extended your organization the credit for the account no XXXX. 

I hereby give your company notice XXXX to 15 USC 1602 ( k ) that your company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform me about the cost of credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 ( 2 ), the term adequate notice means a printed Notice to a cardholder which set forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning .Such notice may be given to a cardholder by printing the notice on any credit card, or each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 
Since adequate notice was not given as per the above mentioned section, I couldnt understand its meaning which is a violation under 15 USC 1602 ( K ).

Further pursuant to 15 USC 1601 ( A ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction, therefore made an uninformed decision and it resulted in multiple billing errors, and unfair card practices.

From your end I have not benefited from this transaction which is again a violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), The term Unauthorized use means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from which the cardholder receives no benefit. 
I hereby request you to do the below mentioned XXXX. Remove all late PAYMENTS Ive been affected dramatically by these billing errors, denied for rental agreements and more. If you accept my request, I will not escalate this matter to Federal Court. In case you dont accept the above request, a legal action shall be taken against your company for compensatory damages. 
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 non-monetary relief
Consumer complaint received 2022-11-09
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 submitted a letter to the XXXX Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX 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 2023-06-05
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XX/XX/XXXX I received a letter from Resurgent/LVNV Funding telling me that my credit card account balance with XXXX XXXX XXXX had been turned over to them, and they were demanding payment. I called Resurgent/LVNV Funding wanting to know how they got my name and address to start with, since I did not owe anything to XXXX XXXX XXXX XXXX I explained that the XXXX XXXX XXXX card I had, had been reported lost on or about XXXX or early XX/XX/XXXX. I then requested Resurgent/LVNV Funding provide me with all documentation from the original creditor, XXXX XXXX XXXX XXXX showing where all the disputed transactions were made along with the date and that they were incurred by me. They failed to do so and/or refused. 
On or about XX/XX/XXXX I received another letter telling me my account had been placed with Resurgent Capital Services and demanding payment. I called and once again explained that the card had been reported lost and that neither XXXX  XXXX or Resurgent/LVNV Funding had never provided me with any documentation from the original creditor, XXXX XXXX XXXX , that the disputed charges were even mine and further explaining that I had spoken at length with XXXX XXXX XXXX after I reported the card as being lost and would pay XXXX XXXX XXXX for the charges which I knew I had incurred and in fact I demanded XXXX XXXX XXXX provide me with all documentation showing any and all transactions on the account at the time and XXXX XXXX XXXX failed never responded to my request. Resurgent/LVNV Funding told me they did not have to provide what I requested and informed me I could lose my house or my car if I did not pay them. 
I then demanded once again they provide me with proof this was my debt and further demanded they cease all communication with me until such time as they provided me with the documentation I requested. LVNV failed or otherwise to refused to provide the documentation requested, and are currently suing me in court on a basis claim further harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
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:
The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$450.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$75.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX XXXX Balance : {$4300.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09
Company: Experian Information Solutions 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:
The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$450.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$75.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX  XXXX Balance : {$4300.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09
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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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 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 non-monetary relief