BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello In XXXX XXXX XXXX I made a purchase on my XXXX credit card, issued from, USAA Company.

Within minutes I realized it was not the real company I thought I was dealing with. 

XXXX is a national company for womans  clothing. I tried to stop and cancel the transaction right away, but I couldnt. I alerted my cc company right away, with in XXXX minutes, to dispute the charge. 

I provided all the information I had, including copys of emails sent to the fake company, the emails they listed. All came back as undelivered. 
I never heard from them and never received the merchandise I ordered. I wrote in my own words what happened. But I could not give them a screenshot of the order. As soon as the card information was entered from the autofill on my XXXX, the site was closed. I couldnt go back and get a screenshot. 

USAA has told me XXXX times they stand by the decision to deny my claim, I did not provide enough information. 

I provided everything I have, never got the items, all fake information about the fake company. 
Screenshot of XXXX information of other customers with the same results and experience. 


I would appreciate your help. 

USAA dispute # XXXX opened on XX/XX/2023 Charged on XX/XX/2023 to my account XXXX XXXX XXXX XXXX FOR {$83.00}. 

Thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX accnt # 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 2022-12-15
Company: EQUIFAX, INC.
State: SC
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'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting invalid account. I have sent multiple dispute to no positive resolution. I decided to submit the submit via CFPB so it can go quick. 
Thave a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any 'credit repair ' company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old.

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 2023-01-25
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX sold my information to midland credit mamgement. 
THIS is a violation by FCRA act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
State: CA
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:
Equifax is in violation my consumer rights by reporting inaccurate information about me.. I have contacted on Equifax, on XX/XX/2022 never heard anything, sent a second letter on XX/XX/2022 still waiting for an answer but willful violations occurs. I am victim of ID theft due to Equifax data breach. 

account name : ( XXXX  ) account number XXXX account : ( XXXX XXXX  XXXX ) account number XXXX account name : ( XXXX  ) account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Possible Financial 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:
Follow up to CFPB complaint # XXXX. Documents requested from complaint # XXXX are attached. This account is not mine. 

I have never lived in South Carolina. 

In accordance with the fair credit reporting act ( FCRA ), this account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I Have sent certifed mail letters out to cease and desist all communications on my consumer profile. AMERICAN EXPRESS have failed to STOP reporting after me giving them notice of CEASE AND DESIST ( XXXX ) Certified Mail Number : XXXX XXXX XXXX XXXX XXXX To : ATTENTION : XXXX. of AMERICAN EXPRESS XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX Respondent / XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX non-domestic XXXX  Month XXXX CEASE AND DESIST NOTICE Dear XXXX / XXXX XXXX XXXX. : XXXX XXXX & Whom it may concern I have been dealing with these XXXXXXXX XXXX disputes for months, am wasting my XXXX money and I do not like it. If my credit profile is not updated properly I will file a XXXX lawsuit on XXXX. I am tired of this bs with your company. Your company is causing me harm, grief, XXXX, and is a defamation of character Throughout the time frame of XXXX to the present day, your company has repeatedly contacted me, claiming that I owe and have posted a XXXX  from AMERICAN EXPRESS, according to 15usc1681b. I Did not give AMERICAN EXPRESS the written instruction to post any information on-to my credit report DELETE THEM ALL FROM MY CONSUMER PROFILE IMMEDIATELY. I have disputed it and allowed you appropriate time to show evidence of this debt to be verified properly. Such conduct from your company has caused me to suffer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You have violated 15 U.S.C. 1681b and 18 USC 1028A for possessing my means of identification with my consent as I never did any contractional business with your company. I demand that you cease and desist of this activity as soon as possible within ten ( 10 ) days from your receipt of this Notice. This includes eliminating our account from your records, discontinuing and retracting reports to any and all credit reporting, and ceasing any and all communications to us by mail and otherwise. If action is not taken by you to cease and desist within the given time frame, I will have no choice but to take appropriate legal action against your firm. I may still choose to prosecute for commercial copyright infringement for which your company is hereby liable. Kindly govern yourself accordingly. Respectfully Without Prejudice, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Early last year, I applied for the XXXX XXXX XXXX XXXX program and in XX/XX/XXXX, my student loans were transferred from XXXX to XXXX. 

On XXXX XXXX, XXXX while checking my credit report, I noticed that my student loan balance was doubled because it was reporting twice. Upon further inspection, I realized that XXXX is still reporting my loan account as open with the full balance. 

I contacted XXXX that same day via chat to have the discrepancy resolved. I was told that I needed to dispute the information with the credit bureaus, at which point XXXX would confirm the account is closed with XXXX balance and it would be updated correctly. 

I submitted disputes with all three credit bureaus on XXXX XXXX, XXXX. On XXXX XXXX, I was notified by Experian that XXXX confirmed that the account was still open and the full balance was correct, so no changes were made to my credit report. 

XXXX continues to report erroneous information to the credit bureaus. My account is paid in full with them and closed ( which is reflected if I log into my account ) and yet they continue to report something different to the credit bureaus.

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 2023-04-03
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My chase account was being used to XXXX 2 separate people under the names of XXXX with the number XXXX and XXXX XXXX with the number XXXX various amounts of money which totalled to {$740.00} without my knowledge. XXXX was sent a total of {$500.00} and shanea of {$140.00}. I did not make these payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
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:
When I reviewed my credit report, I discovered the erroneous accounts. The 3 credit bureaus must verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be deleted from erroneous reporting in my file. 

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 2023-02-03
Company: Experian Information Solutions Inc.
State: CA
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 company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form from this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME XXXX XXXXXXXX XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX  XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX Ive attached copies of my consumer report showing these inaccuracies along with my ID, SSN and bank statement, I have also attached a photos of the certified stamps proving I sent these formal disputes Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Experian Information Solutions 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:
There are several addresses that appear on my report that are incorrect my address is XXXX XXXX XXXX XXXX XXXX PA XXXX 1. XXXX has reported my account which was sold to another agency my personal information is now exposed 2. Many inquiries which I disputed are fraud I also want to add some closed and still appear on my file which I would like them deleted

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 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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

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 2023-01-25
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I am the business owner of XXXX, a registered company. We are selling XXXX based car navigation systems for XXXX vehicles worldwide and it is a renowned brand with 5 years of operation and continue to growing. We use PayPal service to collect money from our customers and we had good relationship with PayPal Inc for the most of the time. Our account e-mail is XXXX, XXXX. However, it came to a sudden end today like attached e-mail copy that PayPal sent us a notice of account suspension without any explanation why.

Our fund with PayPal, about XXXX USD, is frozen for the next 180 days without an explanation. We contacted PayPal customer service they were not able to answer why either.

We believe we did not engage any activity that is related to a crime, fraud or anything that governing laws and regulations are prohibiting and we are in good standing in terms of its commercial activity. Indeed, as a private company PayPal may have a right to terminate business with us providing no explanation, but holding someone's money for 180 days without any justification is indeed hard to understand and it does not comply to common senses and business ethics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Bread Financial Holdings, Inc.
State: SD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I have asked multiple times for this company to please stop calling my cellphone, they have done it from various different phone numbers, I block one number and they start harassing me from a different number and I am now getting harassed with automated phone calls. I have asked again today XX/XX/2022 to stop being called on my cellphone

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}

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 2024-01-11
Company: Amsher Collection Services, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Called my father from an unknown number claiming that I had a legal matter pending and gave them a case #. Told my father if I did not contact them within the next 10 minutes he would be served with paperwork for me and my wages could be garnished. Gave them a number of XXXX to call back. I called them back was asked for the court case number and then transferred to a XXXX XXXX who tried verifying my social security number but it was wrong, then gave me the right one. Then proceeded to tell me my birthdate. I asked what this was about and why they were threatening me said that it was a process server who contacted my father and not him that he doesn't have the availability to do that. Tried to say XXXX XXXX  XXXX XXXX was stating I had a deposit by XXXX that needed to be paid and it was charged off in XX/XX/XXXX. In which I told him I did not have a XXXX account at that time and that debt is not valid. He said I would just need to go to court and where could he send the process server because if not I will be served at work. He then hung up. I called back asked for the company name which they advised AMSHER. I have not had a XXXX account since XXXX  not sure what they are speaking of and using tactics to scare my father that they are the government and will serve him is ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation