BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
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:
SEE ATTACHMENT FOR IDENTITY THFT REPORT. 

An unidentified account that is not mine was furnished to my consumer report on XX/XX/2023 and flagged for collection as of XX/XX/2023 in the amount {$9000.00}, by XXXX XXXX XXXX XXXXho also placed an address on my consumer report that is also not mine nor am I associated with. I reached out to the furnisher to make them aware of this error and mistake and request for it to be corrected by deletion as they were unable to verify my information with that on record. They refuse and sated I will have wait for an investigation to concluded as someone else already dispute it. I informed them I will be disputing the account also, to which I was to told I will be threatening them if I do, shortly after they disconnected the call.

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 2023-04-28
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have numous times wrong address information I never lived in the apartment they are charging false debt and when i ask for the contract or orginal debt they claim to be lawyers and keep sending me the same false information. And continue to report to my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: True Link Financial, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I am a veteran and am currently in the fiduciary program, my fiduciary uses a service called " True Link Financial '' to send me money periodically. I recently had a declined transaction in the amount of XXXX at XXXX XXXX, however the money was taken from my account and not returned, and True Link refuses to re-release the funds to me, I've spoken to everyone under the sun and have had no success to date. I have even sent confirmation emails of the cancelled transaction to the customer support team at true link. This is the money I fought long and hard to get with my service to this country, I was wounded in action, and for them to treat me like this is completely unacceptable. 

If you should need any information from me, my name is XXXX XXXX, my email is XXXX, my XXXX is XX/XX/1986, and the card I have on file with True Link has a last XXXX of XXXX, also the last XXXX of my social is XXXX, that should be all they would need but if you need anything else feel free to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have several inquires on my credit report of which I do not recognize and would like them to be removed due to the privacy act, and due to the lack of written consent to release this information to the credit bureau. 
XXXX XXXX Date : XX/XX/XXXX XXXX, XXXX, Experian XXXX Date : XX/XX/XXXX XXXX, XXXX, Experian XXXX XXXX XXXX Date XX/XX/XXXX XXXX, XXXX, Experian XXXX XXXX  Date : XX/XX/XXXX XXXX, XXXX, Experian XXXX XXXX XXXX Date : XX/XX/XXXX XXXX, XXXX, 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 2022-12-26
Company: Experian Information Solutions 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:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: W&A Intermediate Co., LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have many addresses, 2 in totally different states I have never lived in, on my report and lot 's of inquiries I don't recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
As per my attorney below, I totally paid off the XXXX XXXX bill. I went to XXXX XXXX and they denied me a new account incorrectly stating that I owed them money. This account is paid in full. See the correspondence from my attorney : " We have been contacted by consumer XXXX XXXX XXXX regarding the above referenced account. A check marked payment in full was accepted and cashed by CCS Collections. A copy is enclosed for your convenience. The cashing of the checks indicted your willingness to accept the amount tendered as full and final payment of XXXX XXXX debt. Please immediately remove any negative comments from XXXX XXXX credit reports as this debt has been satisfied. '' I have included documentation from my attorney stating the same.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions 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: Personal information incorrect

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.

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 2023-02-06
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The young lady XXXX at fox collections, called a number that I know she went through a medical file to obtain. I advised her to have the orginating company to call me in regards to whatever the situation is. This number she called is not on any other file than one that is medical.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: W&A Intermediate Co., LLC
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 is missing that should be on the report

Complaint:
Hello, I have been trying to get an inaccurate, misleading statement off of my credit report but am having problems finding correct information for the creditor, WAKEFIELD & ASSOCIATES. This was the second letter I sent them, the first was over 30 days ago, still with no response. Not only is XXXX reporting inaccurate and misleading information, but XXXX is also reporting inaccurate and misleading information about this creditors address compared to that which is found on the creditors XXXX XXXX XXXX profile. I have sent requests to WAKEFIELD & ASSOCIATES several weeks ago, but due to the credit bureaus reporting inaccurate and misleading information, I am unsure of the true address. This is complicating and is negatively affecting my life and the life of my family who need me. The attached documents are the receipts of the certified mail I sent in attempt to reach WAKEFIELD & ASSOCIATES. This was the second letter I sent them, the first was over 30 days ago, still with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: V and H Portfolio
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: Reporting company used your report improperly

Complaint:
Im not liable with XXXX XXXX XXXX XXXX. i do not have contact with VANCE & HUFFMAN LLC. they did not provide me with the original contract as i requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: I.C. System, 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: Reporting company used your report improperly

Complaint:
Im not liable with XXXX. i do not have contact withI.I.C. SYSTEM, INC they did not provide me with the original contract as i requested. 



Im not liable with XXXX XXXX XXXXXXXX XXXX. i do not have contact withI.XXXX XXXX XXXX they did not provide me with the original contract as i requested.

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 2022-12-28
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I used PayPal to buy a purse online from a company that used PayPal as an option. I used paypal specifically because of the.protection offered and trusted vustomer base they have. The website appears to have been fraufulant. Paypal released the funds to the company and denied my claim that they are fraud and i havent received tracking number or confirmation emails. When i was denied paypal said i.could ask additional questions via email, which i did and now i am getting no replies. The amount was {$52.00} on XX/XX/19. The funds were immidiately released to the seller names XXXX XXXX selling under a XXXX XXXX I triednto.rectify with the seller XXXX PayPal and received no reply, tried to email the website 2 times and PayPal 2 times now, nobody is replying. I want a refund for my money because i have not received what I bought. My moneynwas stolen usingbthis " safe '' form of payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-09
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: W&A Intermediate Co., LLC
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022, I spoke with XXXX XXXX of Wakefield and Associates about paying off my balance of {$690.00} ( {$680.00} from my XXXX bill plus interest ). 

I do not know why I was even sent to this collections agency. I paid every medical bill I ever received. They said I had been sent to them by " XXXX XXXX XXXX, XXXX, '' a group of XXXXXXXX XXXX that I had never heard of or received a bill from. Not knowing what else to do, and being told by in an earlier call that my credit was going to be damaged, I decided to trust their legitimacy and pay the balance. 

XXXX told me that if I paid it all that day, I would receive a 25 % discount. I accepted, and I made a payment of {$510.00} ( auth # XXXX ). 

In XXXX, I was surprised to receive a bill for {$170.00}, but when I called, I was told that the balance would be adjusted off due to my payoff the month before and to disregard the bill. Over the next 8 months, I received regular phone calls from Wakefield and Associates, some in person, some automated, telling me that I had a debt that needed to be collected. My extensive XXXX treatments have strongly affected my XXXX, and I didn't remember dealing with them. I asked that they send me a paper bill and a record of the services I had received each time they spoke to me. They never did. 

Finally, in XXXX of XXXX XXXX received a notice stating that I had been unreachable by phone and threatening that they would soon " have no choice but to proceed with further collection activity. '' This bill showed a balance of {$170.00}. I immediately called, and on XX/XX/2022, I spoke with XXXX XXXX, who assured me that if I made a payment of {$170.00}, it would resolve my balance and close my account with them forever. I made the payment. 

Later that same month, I received another bill with a balance of {$.00}. I called them on XX/XX/2022 and spoke with XXXX XXXX, who told me that the {$.00} would be adjusted off and to disregard the bill. That was the most recent interaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. 15 US-CODE 16921 XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX.15 U.S. Code 1692e 10 False or Misleading Representations XXXX XXXX Account Number : XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
FRAUD

THIS ACCOUNT SAYS CLOSED BUT CURRENT
IT DOESNT MAKE SENSE, NOT MY ACCOUNT
ONCE AGAIN I WAS BED RIDDEN WITH COVID FOR OVER A YEAR SICK MULTIPLE TIMES, I HAD A XXXX  SCORE BUT NOT A XXXX, MY CREDIT HAS BEEN RUINED OVER THESE ACCOUNTS
ayment Status	Current
Past Due Amount	--
Highest Balance XXXX  Monthly Payment	XXXX
Times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-09
Company: W&A Intermediate Co., LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon checking my consumer report, I have become aware of the many errors, including false and misleading information, these collection accounts are not meeting the credit reporting standards of reporting 100 % accurately. This has ruined my reputation, has caused embarrassment & humiliation and is damaging my entire life by keeping me from getting new credit for personal, family, and household purposes. I respectfully demand the Consumer Financial Protection Bureau to enforce the deletion of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7700.00}. Please delete.

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