BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-11
Company: FinCo Services Inc DBA Current
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Ok I gave a old phone to a friend and he didnt know how to reset it after I had already reset it for him I moved and then I geuss he restored it well he went to a different person to delete my account off of it but while doing that she wired herself like XXXX dollars I confronted her told her Im calling the police I did and I sent them screen shots all of this and they basically told me Im beat now it was their faulty app that allowed them to send a reset password deal to my email which they also had access to cause Once again had my old phone and their app would not Let me setup the facial recognition at that point so hen I ant them the screen shots and every thing and they got rude basically accused me of stealing my own money me a single mom that dont do anything illegal steal my own fine money I was crying and they said sorry cant do anything about it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was able to use venmo for all my transfers and payments until last week when they blocked me from using venmo without a reason. Last time I was able to pay was on XX/XX/2020. Never received a communication from Venmo. Customer service doesn't know why and can't give an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: United Collection Bureau, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A foreign speaking man called my cellphone saying that he was a debt collector for United Collection Bureau and he was attempting to collect a medical dept. He provided an amount of {$180.00} and asked for my credit card information. I asked him to provide me with a callback number so that I can call back after I verify who he was because I do not give out my debit card number over the phone. He wanted to know why did I need to call him back because he was already on the phone. When I told him that I wanted to verify who he was, he asked how was I going to verify who he was and when was I going to call him back. I tried to explain to him that I've never received any written communication from his company concerning this debt or to even show proof that I had to pay his company. He hung up on me. His said that his name was XXXX. 


When I called the number back that was on the caller ID and explained to the other foreign speaking man, my voice was echoing in the background. I explained to him what had transpired between XXXX and I and that I would like for them to mail me some correspondence concerning the debt that they were trying to collect. He asked me for my mailing address. When I told him that he should already have my mailing address because he says that they are trying to collect a debt. He got flustered when I wouldn't provide him a mailing address showing proof that they are a collection agency and I owe them a debt. He also got flustered and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: NY
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE DISPUTED THIS ACCOUNT MANY TIMES THEY HAVE NOT PROVIDED ANY EVIDENCE

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 2020-08-11
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is in regards to a refund on our cancelled flight .We called XXXX XXXX at XXXX ( XXXX time ) and was on hold for a long time and have to hang up.Called again on XXXX XXXX at around XXXX and spoke to a representative who said she's connecting me to travel dept., was on hold for the rep for over an hour and the call dropped.Called on XXXX at XXXX US time and spoke to XXXX   who suggested to call back at XXXX Eastern time ( XXXX XXXX  CA time ) the next day. On XX/XX/XXXX, spoke to XXXX who cancelled the flight and told us that the money will be refunded back to original form of payment w/c is my US Bank flexperks travel rewards card. XXXX XXXX, talked to XXXX who said that the flight was already cancelled and to wait for 1-2 billing cycles to get the partial refund .XXXX  XXXX talked to XXXX who said it's still awaiting for the airline to give the refund.XXXX  XXXX talked to XXXX who said to wait another 4-6 weeks for the refund. XXXX XXXX talked to the supervisor, XXXX with ID # XXXX who did some updates and reporting on the computer on this issue. We told her that we are filing a complaint on this case because it's been almost 5 months and their representatives has been giving us different reassurances /info every time we called. It's been 5 days since our last conversation and no email or any sort of response hence we file this complaint. 
Thank you for your help and kind consideration on our behalf.

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 2023-04-20
Company: Southern Credit Recovery, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Southern Credit Recovery who represents XXXX XXXX XXXX XXXX and related entities has placed on my credit report medical debt ( bills which I have never received ) for services I had no clear knowledge of ever receiving or who the providers were. When I disputed for verification and information I received a copy of my entire medical file from XXXX XXXX XXXX XXXX. Not only was it not from that SPECIFIC creditor listed on the medical debt. It was 1. one of many " potential '' providers who may have so much as looked at my chart during a hospital stay " whether I saw them directly or not '' and XXXX. XXXX all of my test results, diagnosis, medications, etc. with a legal creditor that has absolutely no barring on charges. That is a violation of my privacy and I would NEVER knowingly allow medical information outside of BILLING to be with some stranger for the collection purposes of a debt. I filed a HIPPA complaint ( attached ) with the DHH.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: EQUIFAX, INC.
State: AL
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Santander Consumer USA Holdings 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: Old information reappears or never goes away

Complaint:
Santander was ordered by the court to remove the loans from consumer credit reports due to a class action law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: ALLY FINANCIAL INC.
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

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 name : # ALLY Account name : # ALLY, Account name : # Account name : # 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 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 2020-08-11
Company: LendKey Technologies, Inc.
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I refinanced my student loans with Lendkey/XXXX XXXX XXXX XXXX. When I refinanced, I provided them with a account number to set-up automatic withdraws. After a few months, I received a email stating my account was delinquent due to non-payment. They attempted to withdraw funds from an account. After contacting them, it was discovered that they had the wrong account on file. The account they has was not a account of mines. My account is still showing delinquent after making a payment. I do not want this information to be reported to the credit bureau as XXXX was at fault for entering the wrong account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: U.S. BANCORP
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Today approximately XXXX I had a missed call from an unknown number. 3 min later a family member called to notify me of an important documents needing to be served and to call XXXX with reference number XXXX. At XXXX I was having lunch with my children, whom overheard the entire conversation. I was on the phone ( for 37 min. ) with a person who called themselves XXXX XXXX from XXXX XXXX. He had quite a bit of information on me, claimed I was " part of a lawsuit '' with US BANK for an unpaid amount of {$3.00}, XXXX and they were going forward with it. He said he could contact someone on my behalf to see if they will accept a payment, since I hadn't been served yet. He had me on hold a few times with back ground music. He claimed they accepted my settlement offer and that I had two options. I could either make 3 monthly payments of {$1.00}, XXXX, or pay one settled lump some of {$970.00} today. I felt panicked, scared and under pressure. I felt i had no choice to pay the XXXX out of fear. He got my debit card information and had me sign some documents via email through an online signature website. It wasnt until I got home to over look the confirmation emails and realized the full amount of the " amount owed '' was different than what he told me. 

I have two emails from him, both different accounts with two different names used. Ive gathered some information on him and previous scams that describe this exact situation with the same people via XXXX They claim to be XXXX XXXX, with no address or phone number. Only a fax number of XXXX XXXX XXXX XXXX. The " personal '' email address he claimed was his was XXXX. The email he used to collect my signatures was from XXXX XXXX at XXXX. They used XXXX. 

The other phone number of XXXX XXXX is XXXX. 

According to other reports, another business number is XXXX XXXX. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX other names used were XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XXXX please 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 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 2021-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am being charged for a loan from a school that doesnt exist, nor did I ever attend. I have contacted the original creditors and the address they have on file was for a school thats not at the address given, I was told that the school was shut down for fraudulent activities by staff members. On my credit report the dates that the loan was taken out are constantly being changed also its saying I made payments last year when I never have made a payment.Also when I initially contacted the original creditors there were dates of XXXX and XXXX and that couldnt be me because I was incarcerated at that time. I have never attended and college or university but yet on my credit report there are numerous loans and this is keeping me from building my credit because now I cant receive any credit.The credit bureaus said there is nothing they can do but how can u verify a debt from a school that doesnt exist. Ive disputed the accounts numerous times over a period of years with no resolution. These accounts are making it hard for me to live a conducive life because everything we do is tied to credit and I can not receive any credit because of these accounts Im about to start a family and its making things even harder I have been disputing these accounts for years with no resolve. My name was also part of an XXXX breach of information. All student loans reflecting on my account are fraudulent ( XXXX XXXX, US DEPT OF EDUCATION ) I have submitted an FTC report to the credit bureaus and original creditors with no resolve from this issue, please 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 explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is the credit reporting agencies duty pursuant to the FCRA to report correct and accurate information on my credit report and file, however they are NOT. XXXX, EQUIFAX and XXXX are reporting inaccurate late payments for the XXXX XXXX XXXX account. This includes a 30 day late payment notice posted By XXXX in XX/XX/, a 60 day late payment for XX/XX/XXXX  posted by EQUIFAX and and XXXX as well as a 60 day late payment for XX/XX/XXXX  by XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes this late payment resulting in XXXX, EQUIFAX and XXXX violating my federally protected consumer rights. To add to this I did not give XXXX, EQUIFAX and XXXX written instruction/permission to furnish this inaccurate late payment on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that XXXX, EQUIFAX and XXXX has violated my federally protected consumer rights under the FCRA and inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-02
Company: EQUIFAX, 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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 2020-08-11
Company: Synovus Bank
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
First Progress has put derogatory remarks on my credit after I was administered an admin charge to my card but I was never sent the invoice. This is a problem that I tried to call and talk to them about but due to COVID their staff is running shorthanded and when I would call in the automated voice would tell me that they are shorthanded and the wait time is large and then it would tell me to call back and then hung up. I was never able to speak to an employee there. 
This complaint about XXXX XXXX not sending me the mailed invoices is not new, this is the second time I have had this issue and I am still seeking resolution for both times. I have actually brought this to their attention back in early XXXX. I called in early XXXX and their employee told me they would fix the mailing issue and informed me to file a goodwill letter and mail it to them and they will remove the derogatory remarks from my credit file. First Progress has this call on file and it was recorded. I sent them the letter on XX/XX/XXXX and I have a copy of this letter. XXXX XXXX at XXXX XXXX is insisting that they never received a copy of it. I have sent a copy of this letter again to XXXX XXXX and it was notarized and the mail was sent to him via certified mail on XX/XX/XXXX of this year. Just as XXXX XXXX is insisting that they never received the first goodwill letter, I am insisting that I havent been receiving invoices from them and could not have known about the admin charge. I stopped using this card so I knew I wouldnt have a balance with them. 
I now have negative remarks on my credit file in XXXX of XXXX that I want reversed. I have also provided reason for reversing the negative remarks from XXXX and XXXX of XXXX as well as XXXX of XXXX. 
XXXX XXXX told me in the last CFPB complaint to reach out to him if I had further questions or concerns. I mailed him a letter as well as all of my paperwork that I have kept. I mailed him certified mail that shows delivered and it was sent on XX/XX/XXXX. Furthermore, I had that paperwork notarized and I have not heard back as of XX/XX/XXXX. My account is now closed with First Progress and they are not communicating back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX/XXXX account number XXXX High Balance is  reflecting XXXX dollars however the balance due is reflecting reflecting {$520.00}. The highest balance being lower than the balance due doesn't make sense. This is a violation of the FDCPA delete immediately I disputed with XXXX, XXXX XXXX, Equifax and XXXX XXXX XXXX on XX/XX/2018 and they stated that it was verified, which it was not and these accounts are continuing to report, which is a violation of the FDCPA and needs to be removed.

Company response to consumer: Closed with non-monetary relief