BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-30
Company: SYNCHRONY FINANCIAL
State: GA
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 purchased several items on XXXX and used Paypal to pay for the items. The items were shipped to an old address by default. I contacted XXXX and Paypal and both indicated the items were delivered to an old address. I went to the old address and the individual living at that address communicated that she did not have the items. I checked the leasing office and they also communicated that they do not have the items. The post office has no record of the items being returned. It appears that the items were stolen. 

I contacted Paypal and explained that all the items that I purchased ( at least 10 ) thru Paypal were shipped to my new address which is approximately 10 months now. Paypal refuses to credit my account and states that I received the items. Their customer service department is located in another country, and there is no concept of how to resolve an issue. They read what's on paper, and has no idea as to how to resolve an issue. 

Paypal has behaved in a manner that is fraudulent. They are charging me for items that I do not have/receive.

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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-22
Company: Experian Information Solutions Inc.
State: KS
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:
I recently pulled my credit report and I noticed several inaccuracies in regards to my personal information. I mailed a letter addressing the inaccurate information this past Wednesday, XX/XX/2023 certified mail. I'm submitting this complaint simply as reassurance that it get corrected. You can find the letter attached within.

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 2023-11-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I requested validation & verification under the fair debt collection, practices act for several different accounts, which they did not provide any verifying information whatsoever.

I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 
15 USC 1692C C 15 USC 1692 G 15 USC 1666 15 USC 1666B ( a ) Section 607 15 USC 1681 ( E ) Experian, XXXX XXXX and XXXX are direct violation of laws passed by Congress FCRA. I have disputed these accounts multiple times, and they are ignoring the law in relation to my consumer rights. Theyre only response has been we have verified the information theres no name theres no documentation theres no balance sheet. Theres nothing whatsoever that can factually attach me to these alleged accounts that they are claiming belong to me and our negatively reporting on my credit.

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 2023-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
This is stemming from a call I made to Capital One on XX/XX/XXXX asking about a balance transfer request I made for {$6000.00}. In this call the Cap One rep advised me the transfer was sent to an incorrect account number and told me she would cancel the original request and I could submit another request. I sent another transfer request at the instruction from that representative. After this call Capital one posted a balance transfer of {$6000.00} to my XXXX XXXX XXXXXXXX account sent on XX/XX/XXXX from Cap One and posted to the XXXX account on XX/XX/XXXX. Then on XX/XX/XXXX Capital one sent ANOTHER transfer request without my authorization, doubling the amount I asked them to transfer. This extra {$6000.00} was sent from my Cap One account on XX/XX/XXXX th and was received at XXXX on XX/XX/XXXX. XXXX XXXX XXXXXXXX sent the excess $ XXXX transfer back to Cap One on XXXX 
Capital One has not credited this amount back to my account and the reps I speak to keep telling me some one is looking into it and will call me back. My balances have not been corrected and no one has called me back. I spoke to XXXX at Cap One on XXXX  and was told I would be contacted in two days, no one called. I spoke to Supervisor XXXX XXXX ID XXXX on XX/XX/XXXX and was told I would be called by XXXX no one called. On XXXX  I spoke to supervisor XXXX XXXX ID XXXX who was very rude, did not listen to my inquiry, spoke over me, would not transfer the call, and hung up on me! 

TO this day my balances are still not corrected due to Capital One 's mistake. This is not a small mistake this is literally THOUSANDS OF DOLLARS!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: AR
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:
Pursuant to 15 USC 1681b ( a ) ( 2 ) Experian is in violation of furnishing my consumer report without my written consent. I the consumer XXXX XXXX never gave Experian any written consent to furnish anything on my consumer report. Without my consent Experian is committing identity theft. 
I have attach the response I sent to Experian below.

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 2023-02-07
Company: Coastal Capital Processing, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I started to receive calls from a company from a XXXX number in XXXX and XX/XX/XXXX. They never asked me or stated they are attempting to collect a debt, but wanted me to verify my XXXX # or DOB. I stated that I could not do that, seeing there are many scams running crazy these days XXXX XXXX said they could put a lien on my car and they would file something in my county. They would not tell me the company they are calling from or anything. I asked my husband XXXX to look into it. After repeated calls, the company was getting annoyed with my husband, because he was inquiring on the same information. XXXX XXXX said that he would put a lien on my husbands truck, even stating it was a XXXX XXXX XXXX. XXXX XXXX also stated to my husband that I was conducting credit card fraud. Finally after repeated calls my husband figured out the company name was XXXX XXXX XXXX XXXX working under uscountyservices.com and that the voicemail had a name of XXXX XXXX. After talking to XXXX XXXX and a supervisor XXXX it was relayed to him that it was a Credit Card from XXXX  XXXX supposedly I have that was opened in XXXX, stating I owed a balance of {$2300.00}, Original Debt {$1400.00}. I am not aware of this account or that I owe anything related to this account. It has not been on my credit report, no communication from the original company or anything. They stated it had been paid on in XXXX, which I know what I pay on and can certainly say I have never paid anything on this account. My major concern is that this company never stated who they were or if they were collecting a debt as they should under the Fair Debt Collection Practices Act. They threatened liens on my vehicles and property, even my husbands vehicle. They gave out my address, birthday and last four of my SSN to someone that they assumed was my husband ( which it reality was ). They have not sent any written communication as I have asked to have and have been evasive during the whole situation.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: AP
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 Far Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has Violated my rights. 

XXXX5 U.S.C 1618 Section 602 A, States I have to 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 166b, A Creditor May not treat a payment on a Credit Card account under an open end consumer credit plan as late for any reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$83000.00} XXXX XX/XX/2022

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 2022-04-14
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:
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 explanation
Consumer complaint received 2022-03-03
Company: Amscot Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a new phone number and as soon as it became active, I started receiving debt collection calls for the previous owner of the phone number named " XXXX '' for AMSCOT, a pay day loan company. I immediately told them on the first call that person is not tied to this number and I only got the new number activated in late XX/XX/XXXX, and would they please take this number out of the database. I have received multiple calls total and I can't seem to get them to remove my number from their collection database, and I told them I was going to file a complaint for repeated calls. 

Here is a list from the call log- they've been told repeatedly to stop calling and instead they continue to call 2-3 times a day. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
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: Credit inquiries on your report that you don't recognize

Complaint:
After reviewing my most recent EXPERIAN credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiries and view my credit report. In addition, I did not give you Experian permission to furnish this information onto my credit report. This is a clear violation of the Fair Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my rights to privacy. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry. I also demand you, Experian, to produce a contract between you and I, consumer, bearing my signature showing that I gave permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number.

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act Section 611. 
My contact information is listed above. 

Sincerely, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserve

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX GA ) XXXX Balance : {$10000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$200.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  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 2023-11-06
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-04-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$18000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX GA ) XXXX Balance : {$10000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$970.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$200.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
- Within 30 days of closing XXXX told me that not using their lender would cause the purchase agreement price to go up XXXX even before appraisal was done - XXXX also did not give me an option of purchasing a loan without PMI, said it was absolutely not possible to have a loan w/ less than 20 % down to not include PMI forcing me to choose a product I did not want - Before we signed the contract XXXX Sales Consultant , XXXX XXXX , told me that we can use any lender with only losing the XXXX incentive in closing costs

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 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 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance : {$27000.00}.

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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts ; DEPTEDXXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1500.00} ), DEPTEDXXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$4700.00} ), DEPTEDXXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$2400.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-04-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation