BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX 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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX has violated my rights. 

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 an 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 non-monetary relief
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-14
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: Information belongs to someone else

Complaint:
FCRA Violation : address and names not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation '' auto loan not mine XXXX XXXX XXXX XXXX XXXX XXXXI FCRA Violation : credit card not mine XXXX XXXX XXXX XXXX XXXXXXXX FCRA Violation : other loan not mine XXXX XXXX FCRA Violation accounts not mine remove from 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 2023-11-16
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : XXXX XXXX XXXX Venmo for Inadequate Response to Fraudulent Activity Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Venmo, a financial technology ( XXXX ) company, for their failure to take appropriate action following a scam that resulted in a personal loss of {$200.00}. This incident occurred on XX/XX/2023, when I attempted to purchase tickets for a XXXX XXXX game through the XXXX marketplace, utilizing Venmo for the payment. 

Details of the Incident : The scammer promised to electronically transfer the tickets upon payment confirmation. 
After sending the payment, I was informed that the funds were on hold for 21 days and was promised a refund, which was never received. The scammer then requested an additional payment to a different Venmo account, which I recognized as fraudulent and did not proceed with. 

Despite providing Venmo with detailed information about the scammers, they failed to take any action in returning funds. Venmo knows these are fraudulent accounts, yet does nothing to protect the general public from them. Inaction is action as Venmo is now complicate in the fraud. 

Key Issues : Venmo 's Failure in Addressing Fraud : Venmo 's lack of action in the face of clear evidence of fraud is alarming, especially considering their access to KYC information and ability to track fraudulent accounts. 

Lack of XXXX XXXX : The XXXX sector, including Venmo, operates with minimal regulatory oversight compared to traditional financial institutions, leading to a neglect of consumer protection responsibilities. 

Inadequate Privacy Policy and Terms : Venmo 's terms and privacy policy seem to prioritize their interests over consumer rights, highlighting the need for regulatory enforcement of fair business practices. 

Reference to Federal Case : I would like to bring to your attention a relevant case : On XX/XX/2023, the CFPB fined XXXXXXXX XXXX  {$9.00} XXXX for their inadequate handling of fraud disputes and denial practices. This serves as a precedent for the necessity of holding financial service providers accountable for consumer protection. 

Request for CFPB Action : I urge the CFPB to thoroughly investigate Venmo 's practices in handling fraud complaints and to evaluate their approach to consumer protection. 
This incident underscores the need for greater regulatory scrutiny and consumer protection measures in the XXXX industry. 
I am willing to provide further details and support the investigation, including signing an affidavit to verify the authenticity of my claim. 
I trust that the CFPB will address these concerns with the seriousness they deserve and initiate appropriate actions. Thank you for your attention to this urgent matter. 

Sincerely, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-05
Company: EQUIFAX, INC.
State: IL
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: EQUIFAX, INC.
State: DE
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:
To whom it may concern, Under 15 U.S Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I, never gave EQUIFAX any written consent to report anything to my consumer report. No Consent is identity Theft. A copy of the law is attached with this dispute letter. 

With that being said, I the consumer contacted Equifax on XX/XX/XXXX and spoke to XXXX ( Id XXXX ) which is the dispute center representative and the Supervisor which is XXXX ( id XXXX ). They both stated on a recorded line that are not deleting even with the laws presented to them. Equifax failed to comply with requirements of 15 U.S.C 1681b and responsible for an individual action/violation. I am sending dispute letter with the laws attached. Im requesting {$1000.00} for failure to comply. 


Under 15 U.S Code 1681n Civil Liability for willful noncompliance ( a ) IN GENERAL Any person willfully fails to comply with any requirement imposed under this sub chapter with respect to any consumer in an amount equal to the sum of_ ( 1 ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or Concerning the accounts listed below as a consumer Im demanding a deletion of this accounts. 
Youll must delete these accounts within 4 days after receipt under 15 U.S code 1681c-2. 


XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.Despite my previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the account be verified or repaired immediately. 

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 2022-02-25
Company: Regional Management Corporation
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I couldn't afford the amount that I was owning on both of the vehicles that I was owning on ate the time because of my income has changed but now my income has been now I would love you get everything straightened out thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
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 status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: WELLS FARGO & COMPANY
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We were robbed while celebrating 10-year wedding anniversary in XXXX XXXX XXXX My wife 's id and Wells Fargo credit card was stolen. Also our XXXX XXXX XXXX was stolen among other things. Our Wells Fargo credit card was fraudulently used for the total amount of {$5500.00}. We filed a police report with XXXX XXXX XXXX XXXX XXXX XXXX. Report # XXXX. We provided all of the above information to Wells Fargo. They reviewed our claimed and denied it. They reposted all the transactions, even though banks are required by law to be responsible for reimbursement of all fraudulent credit card transactions. We are asking for help resolving this situation with Wells Fargo. 

Posted Transactions XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} {$5500.00} Posted Transactions XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX {$2100.00} {$5400.00} Posted Transactions XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  # XXXX {$79.00} {$3300.00} Posted Transactions XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} {$3200.00} Posted Transactions XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX {$79.00} {$1600.00} Posted Transactions XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1500.00} {$1500.00}

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 explanation
Consumer complaint received 2023-01-09
Company: DISCOVER BANK
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The North Carolina XXXX XXXX accepted my complaint and entered it into record and assigned the complaint for investigation and have initiated an investigation into the violation that an in fact attorney - acting as a debt collector violated my rights when the law firm - XXXX XXXX - through a NC XXXX certified attorney, company staff, XXXX XXXX XXXX, Attorney violated my rights when a Letter was delivered to me through the U.S. Mail signed by the same attorney listed above - violated the Fair Debt collections practices act when the letter contained a demand for monies allegedly owed by me and that the amount the law firm and attorney for Discover Card, by the content signed by her, was in fact more - over and above the amount that their client Discover Card, has attested in dozens of complaints where Discover Card has stated multiple times through their own validation of the debt amount which is and always has been {$2300.00} as indicated on an attached document with this complaint. 

The attorney, the law firm of her employment, and their client as a whole violated my rights and FDCPA, Federal laws when they attempted to collect {$1100.00} more than the reported amount by their own client, Discover Card. 

Federal and state laws have been violated by the attorney, firm, and Discover card clearly and indisputably along with my rights being violated under both NC General Statutes and Federal law- and are both have Statutory fines that I am entitled to. {$1000.00} for the Federal violation and {$4000.00} for the NC state violations- Also, Discover Card falsely reported to the credit bureaus that I had made three satisfactory monthly payments, three months in a row and was in fact deceptive in this false reporting to the credit Bureaus of this charged off account in an attempt to reset the 7 year collections rule x, all regarding this one Discover Bank charged off account - when in fact I never paid any months payments to charged off account. 

XXXX XXXX XXXX XXXX. False or misleading representations A debt collector XXXX not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 
( XXXX ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; or

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: EOS Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
EOS CCA a Debt Collection Agency put a debt collection report on my credit reporting in XX/XX/2021 with a mailing address of XXXX Ct, XXXX VA, a XXXX debt of {$260.00}, which I was never contacted via mail or phone call regarding this alleged debt from XXXX or EOS. I never lived at XXXX or had a XXXX account ever. I don't even know anyone that lived at that address. They have on my credit report the XXXX bill is from XX/XX/2021, I have lived at my current address for over 6 years. I have never once received any letter or calls from this debt collector claiming I owe this alleged XXXX debt prior to them putting it on my XXXX credit report. I discovered it on my credit report in XXXX and called them to provide all information regarding this debt, after 30 days, I then disputed with XXXX credit agency and it was removed from my credit report because EOS CCA never replied to them within 30 days the law allows. XX/XX/2021, they put it back on my XXXX credit report this time with a mailing address of XXXX XXXX XXXX VA that I haven't lived at in over 15 years, again no call or mail from them. I reached out to them again via phone call and they refused to give me any information just stating I owe this debt. I am once again disputing it with XXXX, however, if they are doing unethical and illegal debt collection practices, this is not going to go away, even if XXXX removes it again, my fair is it will continue to be placed back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: U.S. BANCORP
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I bought 2 items one external touchpad & one inverter from XXXX for {$52.00}. 
I returned both items on XXXX to XXXX XXXX XXXX  in XXXX of XXXX XXXX XXXX 
XXXX said we give you gift card for {$29.00} instead of XXXX. 
XXXX did not give me receipt of delivery of items to them. 
I contacted with the credit card company US Bank XXXX XXXX XXXX XXXX, ND XXXX First they gave me Provisional Credit. Then On XX/XX/2023 They said we don't believe you have given the items to XXXX I sent copies of all of the emails with XXXX on XX/XX/2023. 
I keep contacting with US Bank and they ask for Fax Number. 
There is no Fax Number only the website. 
They refuse to give me credit for {$52.00}. 
Can You help?

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
Consumer complaint received 2022-02-25
Company: CADENCE BANK
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened my checking account at Bancorp south on XX/XX/XXXX with XXXX XXXX at XXXX XXXX branch in Texas. Since that day I been trying to enroll in the online banking and the system always give error. I tried to contact several times to the representative who opened my account and she is not helping or fixing this issue.

Company response to consumer: Closed with explanation