BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of XXXX, A bad debt for collection was posted on my XXXX Credit Report. I was unaware of this until I received a phone call from the Attorney 's Off. XXXX XXXX, XXXX. on behalf of Amsher Collection Services, XXXX XXXX XXXX, XXXX XXXX, XXXX, Al. XXXX, XXXX, early in XXXX, XXXX. They informed me of a certified collection letter for {$600.00} was being mailed and I needed to pay this bill. 
Immediately my husband and I began calling Charter Communications Services, regarding this unpaid bill. Charter 's Attorneys researched this unpaid bill and found that all of our accounts had been paid in full as of XX/XX/XXXX. I reported this to XXXX and they began an investigation.. In checking my credit report XXXX, I discovered this bad debt was still on my credit report. I started another fraud investigation with XXXX and received a final report dated XXXX stating the investigation was completed and the disputed item for Amsher Collection Services # XXXX, HAS BEEN REMOVED FROM MY CREDIT REPORT, with XXXX Credit Bureau XXXX Just 2 days after receiving this report, I received another phone call from XXXX XXXX, Attorney 's office trying to collect this disputed debt. What am I supposed to do???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
There is inaccurate information reporting on my credit report i am requesting investigation on, however, the credit bureaus have failed to respond in over 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: VA
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 XXXXXXXX XXXX XXXXXXXX # XXXX, anXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2023-05-11
Company: Paypal Holdings, Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Paypal is derelict in their duty to protect consumers. I use their service for all regular spending and have been a customer in good standing -- i think since they started their business. In the past, they allowed customers to transfer funds via app with a page that required us to enter the amount being transferred. Recently, that page was changed to show the entire balance and ask if you want to send that amount. In order to change the amount, you have to touch the screen to type in different numbers. When I touched my screen, it transferred my entire balance immediately to my bank/credit union . I could not stop it. 

I contacted PayPal and reported it. The very kind service rep initiated a " clawback ''. The balance arrived in my institution on Monday and was IMMEDIATELY REVERSED TO PAYPAL, per instructions. As of today, this money has not been redeposited in my account. PayPal reps are reporting that it will take 10 days to get the money back in my account. WHY IS THAT? Are they accruing interest in overnight deposits from consumer funds that were placed with their business IN GOOD FAITH??? I went all the way to supervisor level and explained the whole chain of events 3 times. In the end, the supervisor told me flatly -- " that's the way it works and this matter will not be expedited. '' I have his name, title, and number on record... 

As I write this complaint, they will not even allow me to move money to cover the overdraft that THEY CREATED by their ridiculous transfer app performance. If this causes me a hit on my credit report, I will have to fight that, as well. How many customers are being taken advantage of by their POOR MANAGEMENT OF THE INTERFACE FOR TRANSFER ACTIVITY????

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I filed for bankruptcy in XX/XX/XXXX. I was not late on any payments. The bankruptcy was discharge XX/XX/XXXX. In XX/XX/XXXX 15 banks listed my credit as being 90 days late. All banks have corrected or attempted to correct their error. As of today 8 credit cards have removed their negative remarks from my credit but XXXX is still reporting me as being late on payments. XXXX XXXX has informed me that they have removed all negative reporting and the the error lies with XXXX  trans union and 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 2023-07-31
Company: Experian Information Solutions Inc.
State: VA
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:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VAXXXX VIRGINIA DEPARTMENT OF XX/XX/2023 XXXX XXXX XXXX  XXXX Balance Owed : {$540.00} XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023

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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX # 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 XXXXXXXX, 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 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 XXXX REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.

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 2023-06-23
Company: EQUIFAX, 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, XXXX 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 a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: Convergent Resources, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent a certified investigation letter to Convergent Outsourcing on XX/XX/XXXX which was delivered on XXXX XXXX, XXXX asking for further information on this debt. 

XX/XX/XXXX Convergent sent a response to my investigation letter which already violated my rights per the Fair Credit Act based on the allowed time ( 30 days ) a facility has to respond to my dispute letter from the time they received the letter. When receiving the validation of my debt they sent me a few months worth of statements and a letter stating this is valid debt for the balance of {$280.00}. 

XX/XX/XXXX after digging dipper into this debt, I sent another certified letter to Convergent Outsourcing stating I contacted my current service provider which I transferred the phone number I had with XXXX over to them on XXXX XXXX, XXXX which means that line ( XXXX ) was no longer in service for the bill they provided for validation, and that my last payment was submitted on XXXX XXXX, XXXX. I then proceeded to demand a delete from my credit report due to lack of accurate information. 

XX/XX/XXXX I receive a letter from XXXX stating XXXX XXXX , XXXX has placed your previously disputed account with XXXX. As of the date on this notice, an investigation of your dispute has been completed and the account has been place with their office for resolution. No valid proof of the debt was attache just a new balance of {$190.00}. 

XX/XX/XXXX I receive a letter from Convergent Outsourcing stating they are no longer the owner of this debt and that they submitted to the credit reporting agency 's to delete the 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
Consumer complaint received 2023-07-31
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: Was not notified of investigation status or results

Complaint:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately

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 2022-04-19
Company: EQUIFAX, INC.
State: GA
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. These Lists of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Chapter XXXX Bankruptcy : Bankruptcy -Reference Number 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 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
On XX/XX/2020 Complaint # XXXX was filed regarding a mortgage lender conducting improper use of my credit report. They pulled my credit report 3 separate dates after the 30-day allowance which caused my credit FICO score to drop approximately 95 points ( XX/XX/2020 ) following this inquiry. I went from Exceptional to Good rating. I know my credit was pulled regarding the purchase of a car on XX/XX/XXXX but this seems odd that my score would drop a drastic 95 points and to have only increased 11 points since XX/XX/XXXX. Is there anything that can be done to review my credit score and hopefully restore some of the points that were taken unfairly. I have worked hard to restore my credit through the past 10 years or so and to have it change like this is discouraging. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, 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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX  XXXX Balance Owed : {$11000.00} : XXXX XXXX XXXX XXXX Balance Owed : {$31000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: EQUIFAX, INC.
State: IN
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: Experian Information Solutions Inc.
State: MI
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:
I filed for bankruptcy in XX/XX/XXXX. I was not late on any payments. The bankruptcy was discharge XX/XX/XXXX. In XX/XX/XXXX 15 banks listed my credit as being 90 days late. All banks have corrected or attempted to correct their error. As of today 8 credit cards have removed their negative remarks from my credit but Experian is still reporting me as being late on payments. XXXX XXXX  has informed me that they have removed all negative reporting and the the error lies with Experian XXXX XXXX and 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 2023-10-24
Company: Experian Information Solutions Inc.
State: TX
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:
Since there have been multiple violations of the necessary reporting requirements, my report 's data can not be reliable and full. Having stated that, I reject your accusations and challenge you to show me your justification for including this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : 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 2022-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
This complaint is regarding Capital One credit card XXXX XXXX XXXX, XXXX XXXXXXXX An XXXX XXXX  was purchased from XXXX  on XX/XX/2021 for {$180.00} The watch could not be paired with an XXXX and required an XXXX XXXX to function ( was not clearly stated by the manufactuer ). XXXX via XXXX courier and receipt of the returned item was confirmed by XXXX but refiund was not issued without explanation. Subsequently I have sought Capital One card member service to initiate a dispute case ( Case Number : XXXX ) On XX/XX/2021 Cpaital One credit card has notified me that they could not assist with the dispute stating that the merchant 's good

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Trying to take the necessary steps to purchase a car, when pulling my credit report, I realized I had inaccurate personal information reporting on my credit report. It has been over a year that I have been trying to get all 3 reporting agencies to update my personal information so that it is no longer inaccurate. According to the 15 U.S.C 1681 ( a ) ( 4 ) law, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for consumer 's right to privacy.

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