BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
On XX/XX/2014 about 3 years ago i filed a complaint against XXXX Case # XXXX for placing a fraudulent account on my credit without contacting me. The Original creditor was supposedly XXXX. I sent XXXX a copy of my police report because i am a victim of ID Theft Police Report Number XXXX. The account was removed. 3 years later the account has been placed on my credit with a new company named XXXX, XXXX Account number XXXX. The company has not contacted me but they put it on my credit. XXXX deleted the account because its the same XXXX account that was placed on my credit in XX/XX/2014 in the amount of XXXX but under a new collection company name which is XXXX. 

I contacted Equifax which was a total nightmare ... .. unbelievable, i spoke with 4 representatives ... I first spoke with XXXX who constantly put me on hold and the call lasted w 30 minutes before she told me she did not see a police report on record for me .... then she said she found it but did not see the account in question which was the previous XXXX account when it was XXXX before she ended the call saying she could no longer hear me on the phone. 

I could not go to work because i was so frustrated .... i came home and called again. I spoke with XXXX who said she could not find the police report and said i needed to file a new one. I advised XXXX that i had also filed a complaint against XXXX in XX/XX/2014 with the CFPB she said the needed the results page .... i told her the end result was that the account was removed and she could look at my credit report and see the results- it was under XXXX in XX/XX/2014. She said her supervisor said i needed to file a new police report. I asked to speak with her supervisor .... after 2 minutes a lady name XXXX asked me for my name and confirmation number. I asked if she was a supervisor and she said yes and asked how could she help me. She said the previous representative ( XXXX ) was no longer on the line and did a blind transfer so she said she was not aware of what was going on???? 
I asked XXXX if she could transfer me to a US supervisor ( English speaking ) she transferred me back into que and i spoke to a rep named XXXX who said she was not a supervisor. XXXX spoke with her supervisor named XXXX and according to her ... she said i needed to file a new police report that contained the new name XXXX. I asked if the account is sold 20 different times in regards to XXXX in the amount of {$780.00}, would i have to file XXXX different police reports ... .. she said he said yes!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
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: Information belongs to someone else

Complaint:
I am a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-19
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
From  XXXX   XXXX   XXXX  at  XXXX   XXXX   XXXX   XXXX  last called  XXXX   XXXX    XXXX   says it 's an attempt to collect a debt and I should call her back. Has phoned about 5 times. I am not aware of any outstanding debt except my credit balance.      XXXX   XXXX   XXXX  company, this is an attempt to collect a debt and any information obtained will be used for that purpose please return the call to  XXXX   XXXX   XXXX  at  XXXX   XXXX  again. That 's  XXXX   XXXX   XXXX  at  XXXX . Thank you.  Trans world systems incorporated is a debt collection company. This is an attempt to collect a  debt and any information obtained will be used for that purpose when calling please refer to your ID code  XXXX   XXXX   XXXX   XXXX . Thank you.   PLAY MESSAGE YOUR ACCOUNT HELP CENTER HELP FORUM To edit your email preferences for voicemail, go to the Email notification settings in your account.    XXXX   XXXX   XXXX .    XXXX   XXXX   XXXX   XXXX   XXXX  CA  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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: Information belongs to someone else

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.

has violated my rights. Or list of inquiries 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 2023-04-07
Company: Paypal Holdings, Inc
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
PayPal locked my PayPal account and will not unlock it until I pay XXXX because they said I had a negative balance. In the meantime PayPal credit took XXXX out of my bank account and I cant get into my account to even change payment or anything. I feel as though I am being distorted out of money because Im not able to make any decisions on my account and they are making decisions without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
please remove these unauthorized inquirys from my credit report, i have no knowledge of these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items 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 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 2022-09-13
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: Reporting company used your report improperly

Complaint:
Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer report, there are unverified accounts listed. As reference, please see below account in question. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I want to explicitly clear with my request. I am not requesting " validation " of debt ; but instead, I am requesting VERIFICATION of the debt. It has become increasingly clear that your are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance in both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 

Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above mentioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to removed the accounts from my consumer report without prejudice.

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 2023-10-25
Company: Paypal Holdings, Inc
State: MD
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:
I appreciate your help, earlier. 

VENMO finally reached out to me and gave a limp explanation that they were concerned that I wanted to put my money back in my bank account. They claimed to not have been able to view the scans of my drivers license... but were unable to explain why they never contacted me to explain the problem. 

However, by forcing me to loan them my money for two months, I was forced to borrow money from my ex to pay for our daughters school supplies, and she demanded I pay her back an extra {$20.00}. It was absolutely humiliating... but it was not due to any mistake of mine. 

I did nothing outside their terms of service, the bank account I used is mine, is the same account I have always taken money out of, and returned money too, any number of times. 

Moreover, I notified them if their mistake as soon as possible. Finally, nobody made any complaint about anything being wrong I know this, because Im the only person with access to that account.

Im glad that theyve agreed to let me have access to my money, but that doesnt make me whole. 

Please help me be made whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: CT
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 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-10
Company: Centralized Business Solutions Company
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
this is medical debt that my insurance lapsed on. ive never had a collection company call and leave me voice messages more times than this one, literally upwards of 1,000 voice messages have been left to my phone number though this debt collector. i have contacted them asking them to stop contacting me and the XXXX operator on the end of the line said something am long lines of literally laughing before saying you owe a debt, we wont stop because you owe us, its not harassment were allowed to i have blocked this phone number more than a year ago, and ive received 20+ voicemails from their company since XXXX XXXX ive attached a screenshot of the most recent ones, i have to delete them because they have had my entire message box filled up with these debt collector messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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.

has violated my rights. Or list of inquiries 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 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am intrested in disputing all incorrect information on my credit report with transunion. checking my file ive noticed alot of invalid data that is hindering my file. it has caused alot of denials an is hindering my report please update that information to correct 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 2023-07-06
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just received notification in my email inbox about this debt dated XXXX  XX/XX/2018 which is around the time my identity was compromised, I had to file a claim with FTC because I have had several debts that aren't mine and there was a fake claim with XXXX and an opened Bank Account with XXXX I had to dispute, I have been gone from this address for atleast 9 plus years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX and XXXX XXXX. Please remove these accounts ASAP.

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 2023-04-29
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have called every day for the past two weeks and I have gotten no straight answer. I have sent my social a cover letter my drivers license. Equifax is making it impossible to lift my fraud alert and Im trying to move forward to buy a house. At this point Im at a stand still. I sent a fax at least ten times. Starting on XX/XX/11. They say my file doesnt exist. That they cant verify my identity. I am beyond frustrated and every time I call they say something different.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Avant Holding Company, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, while on vacation in NY, I noticed a charge on my Avant Credit Card for {$1400.00} from XXXX XXXX NY. I contacted Avant to report my card lost and notify them of the unauthorized charge. They credited my account and sent a replacement card. I thought everything was fine. 

On XX/XX/XXXX, I notice the charge had been re-applied. I was confused, because I thought this matter was complete. I called them and the rep was confused as well. I called back the following day and spoke with someone else, who told me a 'XXXX  XXXX had re-applied it because 'I was in the area ' and/or 'I took a few days to report it lost '. I reported it lost the moment I realized it. 1 called 3 more times over the next week, each time being promised I would get a call back from XXXX, which never happened. I was even promised a call back from the rep who was going to see XXXX the following day. No call was ever received. 

on XX/XX/XXXX, I receive an email from XXXX stating the bank now wants a Police Report, which is fine, however I can not file that online for the reason ( lost card/unauthorized charges ) with the XXXX. I am XXXX miles away as well. I replied back asking how to proceed, but again, I am receiving no replies as of XX/XX/XXXX. 

It seems they don't want to handle the situation properly and are making me regret ever doing business with these third rate credit card companies. 

It was my understanding that I am not responsible for charges made without my consent, but yet here we are.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
sent ftc violation for my claim had my police report the company taking 90 days to complete this

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 2023-08-04
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 would like to request the suppression of this item from my credit report, which is the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to which is reported erroneously. I am in desperate need of these items to be INSPECTED and blocked. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Issue: APR or interest rate

Complaint:
I have a Bank of America credit card. Last XX/XX/XXXX I took advantage of 0 % APR balance transfer offer that they had that offered a balance transfer at 0 % APR until XX/XX/2018 for a one-time transfer fee. I have transferred balances to this credit card earlier without any issues so I was not expecting any problems this time. However, when I happened to check my credit card balance this month, I noticed that I was being charged a 1.99 % APR. I have tried calling Bank of America several times and even spoke to one of their supervisors but could not get anyone to help with fixing this. The Customer Service manager transferred me to Sales and Sales says that they only deal with new credit card applications, not existing cards. I have spent over two hours on the phone with different people at Bank of America and no seems to know how to fix their error and get me my promised 0 % APR offer. I took advantage of this offer online but checking back, I do not see any email confirmation from them. I do n't have any documentation to prove my claim but since it was done online, there should be a record of this transaction with Bank of America. Their XX/XX/XXXX statement onwards shows the wrong offer ( 1.99 % APR instead of 0 % APR ) on the statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief