BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 non-monetary relief
Consumer complaint received 2023-01-03
Company: T.S. Holdings
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by a debt collector on XX/XX/2022 by phone, and they were demanding I pay a debt for a bill from a previous apartment I lived at of {$410.00}. I told them I payed the debt and I had the receipts. I asked for a email to send the receipts to. They declined and continued to demand I pay the debt. I got in contact with the manager at the previous apartment I lived at and they submitted all the required information to the collector to say my debt was paid on XX/XX/2022. The apartment manager sent a email to them a second time after I received the call from collections in XXXX. My bank notified me that my debt was reported as delinquent or on non payment status on XX/XX/2022. I paid and I do not understand why it is hitting my credit now when the previous apartment said not to worry they would take care of it because I already paid the bill. This is adding insult to injury because I didn't think what the apartment charged me for was fair in the first place. I payed it off because I didn't want to deal with it. Please advise I don't know what to do. I have filed the complaint here and disputed the credit report through transunion. I have not reached out to the collection company since they called me demanding I pay and didn't seem interested in seeing the receipts I had.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: AL
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:
Unauthorized Hard Inquiries : 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 2023-07-31
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/2023 at XXXX {$940.00} ( my entire VENMO balance ) was withdrawn and sent to an unknown account. I immediately started communication with Venmo 's chat which did not give me options for a fraudulent transaction. I found a number and called but had to wait 20 minutes until they opened. Once I spoke to someone, they stated they were sorry and would escalate my call but I would not hear back from someone immediately and it could take up to 10 days before I hear anything. I emailed VENMO as well but I have not received a response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion is reporting errors on my credit report I sent several letters to them even dispute online and they refuse to update my credit file nor did they provide me with results of there findings after I requested proof. 

The following discrepancies and potential FCRA violations were identified on my credit report : Account Information : XXXX XXXX Account Number XXXX XXXX XXXX Account Type Detail Discrepancy : TransUnion reports " Flexible spending credit card, '' while XXXX reports " Credit Card. '' Violation : This discrepancy directly violates a specific FCRA ( Section 623 ( a ) ( 1 ) ( A ) ) if it leads to confusion or misrepresentation of the account. 

Balance Exceeding Credit Limit : Balance : {$6400.00} Credit Limit : {$5400.00} Violation : This situation is inaccurate in reporting under ( Section 623 ( a ) ( 1 ) ( A ) ) if the balance is reported as exceeding the credit limit, which can negatively impact my creditworthiness. 

Payment Status Inconsistency : Both TransUnion and XXXX report " Collection/Charge off '' with a " Monthly Payment '' of {$0.00}. 
Violation : Reporting a monthly payment as {$0.00} while indicating a " Collection/Charge off '' status may be inconsistent and violates FCRA 's requirement for accurate and complete reporting ( Section 623 ( a ) ( 1 ) ( A ) ). There is no way you can have both of those statuses ; a Charge off is a sold account, and this debt does not belong to me. There should not be a reported balance. I do not own this account. 
Reporting Dates : Last Reported Date Discrepancy : TransUnion : Last Reported - XX/XX/XXXX XXXX : Last Reported - XX/XX/XXXX Violation : The discrepancy in last reported dates between the credit bureaus violates FCRA 's requirement for accurate and up-to-date reporting ( Section 623 ( a ) ( 1 ) ( D ) ). 
Date of Last Payment Discrepancy : Both credit bureaus report the " Date of Last Payment '' as XX/XX/XXXX. 
Violation : If this date is inaccurate, it violates FCRA 's requirement for accurate reporting ( Section 623 ( a ) ( 1 ) ( A ) ). 

I kindly request that TransUnion delete this record from my credit report and take appropriate actions to ensure compliance with the FCRA.

I requested that they provide me with a written response outlining the results of their investigation, any actions taken, and documentation to rectify the violations within 15 days.

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 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I reached out to XXXX in XXXX of 2023 to inform them I was suffering from financial hardship and I needed an extension on my mortgage payment. I was told I needed to fill out an application and it would take XXXX business days for them to process the request to determine IF I was eligible for assistance. Consequently XXXX reported a 30 day late which is unfair considering I reached out to them and asked for help. All calls are recorded for quality assurance and training purposes. I defer and request they pull the calls for review. I was transparent and asked for help to avoid the 30 day late and since I have paid all of my payments within the grace period provided. The process should not take XXXX business days to approve when clients need assistance right away.

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 2023-07-19
Company: Experian Information Solutions Inc.
State: PA
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:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: LEXISNEXIS
State: MI
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:
I have reached out to Nexus Lexus and XXXX to demand them to remove any bankruptcy information they are report in their data base i have provide information showing that any information pertaining a bankruptcy in their data base. Their company is storing inaccurate information and must be removed immediately, i provide documentation for the courts, stating they do not report any information like that to no company or any credit bureaus. This information is not verified from the actual source, they source has stated the information is not mine and they dont report information to any company, or third parties, or credit bureau agency , this bankruptcy is not verified information from the US court, because I have documentation from the courts stating they havent provide any bankruptcy information attach to me to no company, and no information of me is known in the data base pertaining bankruptcy by them. Nexus Lexus have stated in a certified letter mail to me that I have no information in there data base after addition search and Lexus nexus has not verified this bankruptcy with the actual source that l have provided that documentation from the US Court that has stated in in the records, and no information is provide by them of this bankruptcy or information with me. No Lexus nexus and XXXX has not provide this information, Under my FCRA rights its an violation under 15 U.S.C1692g And demanding to be removed immediately from there data bases,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-02-08
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been charged with very high interest and my credit line was reduced.

My balance went from {$3000.00} to {$5200.00} I pay every month yet the company keeps reporting delinquent on my credit reporting which significantly reduced my credit score. They company have reduced my credit limit from {$9000.00} to {$5100.00} which makes my utilization insanely high. I have tried to contact the company on XX/XX/2023 and was put on hold then the phone cut off. I called back the same day and the same thing happened. I am always receiving phone calls threatening me with collection.

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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.

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 2023-07-21
Company: NAVY FEDERAL CREDIT UNION
State: TX
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
On XX/XX/XXXX my PayPal account was permanently limited for reasons Im unaware of, and with that {$3000.00} of my hard earned money was placed on a 180 day hold. When trying to figure out what I did wrong, and what I could do to access my funds they give me the runaround and havent given clear explanation on what happened, they also refuse to allow me to withdraw my funds. I have lost my home and car due to these being the last of my funds, which I have expressed to them in the prior months of me trying to get the situation figured out. I want my funds released as now Im homeless and have done no wrong and been a loyal PayPal customer for years. I will go the legal route if my funds are not released swiftly, as PayPal has a history of doing this to thousands of customers every single day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: Experian Information Solutions Inc.
State: AL
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: Billing dispute for services

Complaint:
Around XX/XX/2018, got approved for a loan of XXXX. Due to extremities of hardship and paying way more than. I was loaned, I could not keep letting this burden me no longer. The loan is in collection. And I refuse to pay anything in collection. It does not help to pay it off because it will still show the loan as a debt collection. 

So it will neither make my credit report nor score go up if I did paid due to this being a personal internet loan that has no real impact on increasing your credit score and report like a credit card does.

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 2023-04-07
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out that XXXX and XXXX Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXXXXXX Balance : {$700.00} ; XXXX XXXX  Balance : {$440.00}.

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 writing because I am a victim of Identity theft. I have disputed the following account several times and it has come back verified every time. 

XXXX 's reporting a negative account on my credit report and I have reported the account to them directly and the buerers and they are claiming that its my account. I am requesting that the item be removed ( or request another specific change ) to correct the information. 

In addition, pursuant to FACTA..as a victim of identity theft I am requesting that you provide me with copies of any and all applications and business transaction records related to the fraudulent account ( XXXX ). The copies of the records can be mailed to me at the my address 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 2023-10-20
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. XXXX XXXX XXXX, Account number XXXX, Date opened XX/XX/2021. This account does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Went to Lowes on XX/XX/23 and made a purchase for under {$20.00} with my debit card. 
I did not apply for a credit card there and would not because I usually shop at XXXX XXXX. I did not give permission for them to submit a hard credit inquiry and want it removed from my credit history. When trying to call them to resolve the issue I cant even speak to anyone because I dont have an account number to reference to the automated system.

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