BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-23
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received three letters from a debt collector for a XXXX name XXXX XXXX in New York, who was charging XXXX  per visit ( {XXXX} total ). I called the debt collector to ask who this doctor is and they said they didnt have any more information other than what was listed on the notice i already received. They told me this doctor charged me for XXXX XXXX dates, when literally everything was shut down. They charged for an XXXX XXXX  on XX/XX/2020, XX/XX/2020 and XX/XX/2020. I never left my house from XX/XX/2020 until XXXX of 2020, when I moved and had to leave the house. I am also located in Texas. I have no explanation as to what this is, no breakdown of charges, and no paperwork from the doctor themselves explaining what this is. Its weird that I am getting random charges for those dates, almost 3 years later. This doctors office also didnt contact me or tell me they had a balance for me so I could ask them right then and there what it is for. They also didnt contact me to tell me it was being sent to collections either. Now im fighting with a debt collector because of the lack of communication and information from whoever this doctor is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a protected consumer and natural person In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 

Regarding alleged account # XXXX XXXX XXXX XXXX, XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2020-03-10
Company: JPMORGAN CHASE & CO.
State: CO
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:
My husband makes periodic charges on XXXX XXXX on behalf of my XXXXYO daughter. Because XXXX automatically keeps our credit card information on file, he has to take the extra step of removing our credit card after each purchase. If we could get a history of activity on XXXX, you would see that he does this every time he purchases something from XXXX XXXX on behalf of my daughter. XXXX keeps this information in their data files. On XX/XX/20, he authorized a charge on XXXX XXXX for {$19.00}. He removed the card before he handed the tablet back to her. 

Unbeknownst to him, XXXX kept the card on file and my daughter accidentally charged {$1500.00} in XXXX charges between XX/XX/20 - XX/XX/20. I learned of the charges on XX/XX/20 and contacted XXXX for a refund. They said it didn't qualify since our card was in their system. My husband is very careful about removing the card after each purchase and says it had been removed. 

In order to prove that he removed it, I asked XXXX for documentation concerning the account activity ( each click and command given ) for XX/XX/20 and I was told they could not provide that for me. This is the only way I can prove that my husband had removed the card so I have no recourse in getting these unauthorized charges refunded. 

As of this writing, our credit card company, Chase Bank, also won't refund us. They say that XXXX disputes our claim that these charges were unauthorized so they won't credit the charges either. Additionally, Chase Bank 's fraud services failed us in notifying us of international charges ( XXXX is based in XXXX ) as I had indicated on our alerts and the fact that a company was charging our card repeatedly -- XXXX charges in less than a few hours -- and didn't send me an alert or deny the charges based on suspicious activity. I feel as both XXXX and Chase are not offering the proper protection against the unauthorized charges that I've incurred. 

We have disabled all purchase capabilities on XXXX due to this issue. We did all that we knew to do to avoid unauthorized charges and yet, when it happened, XXXX won't refund us or provide the data needed to show that we removed the card. My complaint with Chase is that they didn't notify me when suspicious charges were occurring ( there was no alert I could sign up for when charges are repeatedly sent through in a short period of time ) and when I notified them on XX/XX/20 that the charges were not authorized, they failed to deny payment to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Experian Information Solutions Inc.
State: GA
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received investigation results. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021

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 2019-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Received unsolicited financial product or insurance offers after opting out

Complaint:
Transunion on XX/XX/19 complaint # XXXX XXXX was filed for promotional and any other kind of offers as credit or/loans after I was OPT out back and updated back in XX/XX/XXXX. Transunion acts as I just started OPT OUT in past 2 years I update OPT OUT every 6 months. Transunion with holds who there selling the information to for profit. I OPT OUT Transunion has some very deceptive practices. I have also filed a complaint with the US Attorney office regarding the complaint On XX/XX/19 Transunion responded that I OPT out just recently in which is a lie. Stop selling and me getting credit offers threw companies I did not request or want.

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 2021-06-28
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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: EQUIFAX, 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: Account information incorrect

Complaint:
The charges with XXXX should be properly investigated because they are incorrect. I am currently submitting a dispute via mail. 


We moved out of our apartment ( XXXX de XXXX ) XX/XX/XXXX. In XX/XX/XXXX, my wife contacted them to get an apartment verification for a home loan and was told that we had a {$3000.00} balance for failure to vacate the property without notice. She told XXXX XXXX property manager ), we did give proper notice and even showed him the email that was sent to the previous property management, he said that it was not valid. She then contacted the previous property management company, who confirmed we gave proper notice AND that information was emailed to her. I personally went to the office and gave XXXX the copy along with a copy of the picture of the walk thru we did with his former employee and he said he would send it to corporate for approval and get back to us within a week. XXXX weeks later, we heard nothing. I went back to the property again and was told by XXXX that corporate denied the approval and we still had the {$3000.00} balance and now he was saying that included damages. My wife contacted corporate several times in XX/XX/XXXX and finally received a response in XX/XX/XXXX from XXXX XXXX. She was told the charges would be corrected and would only be charged for damages, which she estimated around {$900.00} or less. Again we never heard anything until in XXXX my wife received notice that they sent us to collections. She contacted corporate again and several times since then and til this day we have not had a reply from them. XXXX, the property manager, did reply and said he left my wife a voicemail and since we didn't pay, he sent it to collections. She asked when he left her the voicemail because she never received a call from him, he said he didn't know. Furthermore, if our balance for damages was around {$900.00}, I'm sure they didn't take into account that we gave a {$1200.00} deposit and therefore don't owe them anything, they would owe us money. Also, he could have contacted me as well, he had my phone number and email address that I left him when I dropped off the paperwork. And in the paperwork, also included my forwarding address, I never received a notice by mail either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 at XXXX my Venmo account was completely drained of my balance of XXXX. 

A scammer hacked into my email, pretending to be me and was able to access my funds just by using my first and last name, along with the last 4 digits of my credit card number by looking at past orders of items already purchased in my emails. They were also able to XXXX my routing number from my bank which is public information. 

I have opened numerous tickets, called dozens of times with Venmo and they tell me repeatedly that an account specialist will be looking into my case from 7-10 business days- which is insane to me. I have not heard from their account specialist nor do they have a direct phone number or email address that I can talk to them. 

This has been beyond devastating XXXX and has taken a toll on me XXXX To lose this money is XXXX but also I was the victim of identity theft. I work extremely hard for my money and Venmo made me feel secure that I could keep a balance with them. 

The fact that Venmo accepted someone saying they got a new XXXX and need access to my account and thats all it took for them to give access is absolutely disgusting, nauseating and repulsive to me. I am XXXX 

I even went as far as calling the fraud investigator at XXXX Bank- the bank the money was transferred to so he could physically cancel the transaction on his end, and Venmo couldnt give the full bank account number to him because they had protection. Where is my protection?! Where is my protection of my account and my money?! They protect a fraud, a scammer rather than the actual owner of the account! 

How can someone take actual money from you without having a government issued ID! It is unacceptable!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-14
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi I paid this debt off over a year ago and they updated the balance as XXXX however they never removed the debt and they continue to report a XXXX bal debt

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 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 2019-10-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
About two years ago I mailed them a letter, per their instructions, asking them not to contact me again about a debt. Not only has it been paid, but it has also been over 15 years. At that time they were calling and sending letters to me. Both stopped soon after I sent the letter. 

About a year ago the calls and letters started back up. I answered one of the calls and said I did not want to be contacted ever again, the woman on the phone said she marked me down to not contact again. I also emailed them requesting the same thing, and I filed a complaint through this website. All contact stopped. 

Now a year later, I received a letter about this same debt. I emailed them earlier today and now I am filing another complaint to stop this before it gets out of hand again. 

It's obvious this place is more of a shady telemarketing company than it is a debt collector. They wait a year hoping you will forget how wretched their practices are and start the unwarranted harassment again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18
Company: FISERV INC.
State: FL
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
Money Network has not provide provisional credit to me in response to fraud and unauthorized transaction on my account. Money Network sent me letters asking me to fill out an excessive amount of paperwork to obtain refunds for the fraudulent and unauthorized transactions on my account. 

Most banks will provide the monies back to the customers account and then investigate the fraud and unauthorized transactions. Money Network appears to do the opposite and 1st send the customer paperwork to fill forms, then they investigate. The customer is then left to try to solve problems they did not create and do the work. The customer invests in the company, the company must to the work. 

Money Network needs to provide provisional credit to my account and investigate how the fraud occurred, not send the customer multiple sheets of paper to fill out when the information is provided to them at the time of the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I issued a Webster business check with check number XXXX in the amount of {$5200.00} to XXXX XXXX XXXX on XX/XX/2022. The check did not arrived to the payee, instead it was intercepted by the hacker and cashed the check with the wrong endorsement/person by the name of XXXX XXXX XXXX XXXX XXXX of the check attached ), even though the check payee was XXXX XXXX XXXX. Webster bank went ahead and it was cashed by the bank on XX/XX/2022. Webster bank cashed the check even though its a wrong endorsement and they didn't do any verification process. 

Upon noticing the transactions online, I made the complaint to Webster bank since XX/XX/2022 ( attached copy of affidavit ). I continuously followed the status with the bank but Webster bank kept saying it was still on process ; officers name of the bank is XXXX XXXX tel XXXX XXXX branch. I firmly believe they do not know what was going on because it was being passed around to different departments of the bank and they don't want to give me any information regarding who is investigating my case. It has been 122 days ( 5 months ) from now and I'm not getting any response from the bank if there is any action being taken. I was told that I will be informed between 4 to 6 months re : the status of the fraudulent activity on my business checking account. Webster bank froze my checking account and yet they keep billing me for monthly fees of {$5.00} dollars a month Webster is unresponsive and not being helpful in resolving the fraudulent activities from my checking account. The amount of money is causing financial burden to my business obligations. I need the help in resolving this problem. Thank you very much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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 : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX  {$1500.00} XX/XX/XXXX XXXX XXXX  XXXX {$2000.00} XX/XX/XXXX XXXX  XXXX {$610.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$970.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not being reported correctly there is a XXXX balance. We are trying to purchase a home and need all My credit reported correctly. My score needs to reflect the correct information

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