BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-16
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I'm having an issue with Venmo, I recently had a small payment sent to me for just {$25.00}. Not a lot of money and I understand that, but when I logged into Venmo I noticed that there were some older cards shown as payment methods that don't exist any longer and the accounts have been closed. I removed those older cards and when I attempted to transfer the funds out of my account I was shown an error message. I reached out to Venmo to determine why there was an issue with the account. I was informed that the account was frozen and I needed to send my ID and a current statement or picture of the card I want to use for the account. I did this, today I was informed that I had to provide the same information for the older cards. I informed them that I don't have those cards or accounts any longer, I simply want them removed and the account usable again. Their response was that I have to send that information. I responded that I want the account closed and the funds returned. They have now said they won't close the account or return the funds until those documents and cards are sent in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: CA
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 called your department after I purchased a credit report with XXXX XXXX on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was a collection on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a Collection that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this collection account, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEM : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: AR
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 my name is XXXX XXXX I originally filed a dispute on XX/XX/2021 I asked to have the following information deleted off my file. The items I need deleted are listed in the report. 
they have not been able to identify the items, they ignored my request to provide me with the documnts that they have on file that verifies the accounts I am disputing. This is my 2nd time trying to correct the situation. This is really holding me back from being able to get a new family car XXXX XXXX XXXX XXXX XXXX XXXX. It is really important to me and my family that I am able to get this corrected 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 explanation
Consumer complaint received 2021-12-23
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 resubmitted another dispute XX/XX/2021 and received a response from the credit bureau that they would not reinvestigate the account because there was already an active dispute which there was not an active dispute because my original dispute was on XX/XX/2021 for the account listed below. 

XXXX CARD Account Number : XXXX SHOULD BE REPORTING AS Current Principal Balance {$280000.00} instead of {$330000.00} XXXX XXXX XXXX  Account Number : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 pulled my annual credit report and noticed errors reported on my credit file.

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 2023-01-02
Company: Medical Data Systems, 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:
On XX/XX/XXXX a medical office provided my information to a debt collection agency without my written permission. I did not sign a HIPPA waver allowing XXXX XXXX XXXX XXXX XXXX XXXX XXXX to disclose any of my personal information to the debt collection agency MDS ( Medical Data Systems ). I began receiving calls at my workplace once a week, And they identified themselves as Medical Revenue Service, it wasn't until I saw the report to my credit score that I found they were also called Medica Data Systems. I was fearful because I was being contacted while I was at work and was afraid losing my job because of it and was feeling pressured to give an immediate payment each time they called me, even though I explained I did not currently have the amount they were asking for at the moment, however they still continued pressuring me for payment. I have since been advised to send a letter to the collection agency explaining my rights under the HIPAA law were violated as I did not give permission for XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, to disclose my personal information to Medical Sata Systems, a collection agency. The amount that the collection agency told me that I owed was over {$300.00} of which I paid {$25.00} on XXXX the XXXX of XXXX. The amount owed was from XXXX the XXXX of XXXX. However according to the claim information from my health insurance benefits page, the amount should have only been {$290.00}. Not only did I write a letter to Medical Data Systems explaining the violation of my rights and the request to see exactly what XXXXXXXX XXXX XXXX XXXX  sent to them and where in that paperwork was my signature stating that they were allowed to forfeit my personal information to the debt collection agency, but I also wrote letters to all 3 credit bureau 's explaining what happened, And requesting that the debt collection report be removed from my credit score. The 3 credit bureau 's I wrote to were XXXX, XXXX, and XXXX. Those letters were sent on XXXX the XXXX of XXXX. I have attached documentation of each letter that was sent, the proof of Labeled envelopes with stamped postage, a record of the incident being reported to my credit score on XX/XX/XXXX, The claim information from my benefits page of my health insurance from XX/XX/XXXX, as well as confirmation of payment of {$25.00} which was sent on XXXX the XXXX XXXX, but cleared on my account on XX/XX/XXXX. If any additional information is needed I will be happy to supply it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent 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 2023-07-28
Company: Experian Information Solutions Inc.
State: FL
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 recently found that there are several fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act.

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 2023-07-16
Company: Experian Information Solutions Inc.
State: AL
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:
is showing information that doesn't belong to me. I was contacted by a debt collector previously. I informed them that I had no outstanding balance with the company, but they convinced I did. I did not think about the call until last months when I obtained an annual credit report. I believe that I am a victim of ID fraud. I noticed several accounts that I did not initiate. A very scary situation. I want to remove all fraudulent accounts immediately. I need to have all unauthorized activity stopped now. I have since hired a monitoring service to help me recover from this unthinkable situation. Thank you in advance for your assistance. Accounts affected by XXXX Credit Card opened by thief : Company : XXXX XXXX XXXX Account Number : XXXX Balance : {$990.00} Company : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX BALANCE : {$65.00} COMPANY : XXXX XXXX ACCOUNT NUMBERXXXX Company : XXXX XXXX XXXX Account Number XXXX XXXX Balance : {$990.00}

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 2021-03-16
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a XXXX account now a collection account that now appears as a collection account for {$1200.00} Account Name EOS CCA. In XX/XX/2013 i was contacted by XXXX, my cell phone provider at the time. They informed me that my data which included my location was accessed multiple times during the month of XXXX 2013 including my location by an unknown third party that breached XXXX security system. They offered me free months of service which i denied. They agreed to close my account with a XXXX balance. i went on to obtain a new carrier. I began to received bills from XXXX, I attempted to resolve the bill, they stated they would fix and XXXX the balance and that never happened. I have disputed the account with the credit beurou and they continue to report this information as correct and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: PENTAGON FEDERAL CREDIT UNION
State: HI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX I engaged in a Consumer Creditor transaction with PenFed Credit Union XXXX XXXX XXXXXXXX XXXX  PenFed never disclosed the car was prepaid before I drove away from the car lot. PenFed never informed me the car is fully insured until the completion of the loan. Also, PenFed hasnt disclosed they are debt collectors. The Truth in Lending Act protects the Consumer under XXXX5 USC 1692 Fair debt Practices Act. As a Consumer Creditor in this transaction, the XXXX XXXX secures all obligations, fees, and insurance for said purchase. 
On XX/XX/XXXX I requested an investigation with PenFed and requested for them to validate the debt as well. I also noticed every requirement for alleged payments is always in the positive. How do you pay something thats already in the positive?

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 2023-06-09
Company: EQUIFAX, INC.
State: AL
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 demanding to be deleted immediately : XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediatel XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX  - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX - XXXX- This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
My name is XXXX XXXX I was applying for a loan through XXXX XXXX when I got done I got a e-mail stating someone will be in contact with you soon so when the people called me pretending to be a loan company I dot really think anything of it. But they got me to send verification money to them from my account. I still had two of my XXXX check go I to the account that key bank room from me also

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$4400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my 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 2023-07-16
Company: Experian Information Solutions 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:
In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX credit acceptance, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-02-03
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
On XXXX XXXX, I purchased a total of 3 serve American Express cards totaling {$1500.00} in the attempt to purchase a car via XXXX XXXX  XXXX  after sending in the initial payment. I was then ask to send another {$1000.00} for temporary transportation insurance Because the car is valued more than what i am paying for it. I reluctantly send the XXXX dollars via XXXX XXXX XXXX pre paid. The time of delivery as pass so i reach out to the XXXX finance department at least thst what i thought. About an update on delivery they responded stating they need another XXXX dollars for temporary state tax, i started to get suspicious so i continue reading the email it also stated the was in my state. So i decided to ask for a refund and thats when all communications stopped. I reach out to both card companies they informed me the card was spent " XXXX  stores '' i filled out all the necessary information for the dispute however the card company declined my refund that is American Express. The other card company XXXX XXXX  did not send me any forms for the dispute currently i am out {$2500.00} I purchased these card to secure my funds and my self..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
They are attemoting to collect a very old debt which is past their statue of limitation nd have threaten lawsuit one me. I have ask them to send me their verification of debt in XXXX of XXXX with their ownership of the debt. Which they only emailed the the verification on XX/XX/XXXX. The information was completely wrong and I do not owe that. The date says XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Early Warning Services, LLC
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2022 dud a transaction through Zelle that never got completed by Zelle. A transaction for {$300.00} that got kept by Zelle and did not give it back to me. I did my part Zelle didnt do their part in the instructions. So Zelle kept my money cause I didnt do another refund for {$500.00}. So Zelle is a fraudulent website for money transfers. Zelle says they are safe and trustworthy nothing but a big XXXX lie to get more money out of you. I would like my money back. 
This is XXXX XXXX the one Zelle stole {$300.00} from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
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: Reporting company used your report improperly

Complaint:
Notice, it is a fact, affiant is aware pursuant to 15 U.S. Code 1681c-2 ( a ), if I, the consumer, provides a consumer reporting agency, such as, XXXX, Equifax and XXXX, with appropriate proof of the identity, a copy of an identity theft report, and a statement by I, the consumer stating the information in connection with the below listed accounts is not relating to any transaction by myself, XXXX, Equifax and XXXX is required to place a block on my consumer report on the information associated with the accounts listed above. This information would not be blocked in error, if I feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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