BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-30
Company: EQUIFAX, 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: Account status incorrect

Complaint:
My husband and I paid our credit card balance of over {$11000.00} in full on XX/XX/2021. We asked the representative for the full pay off to include any interest. She made a mistake and did not add the interest. When we received the XXXX bill it reflected a balance of about {$25.00}. I called in and the representative apologized for the error and stated he would waive it as a courtesy for being a 15 year patron and just paying off a large sum. However, I did not waive it and instead it was reported to my credit file as a 30 day late payment. I called back immediately upon discovering this and they said there was nothing they could do it is automatically reported by computer software. I filed a dispute with them and with the 3 credit bureaus and those disputes came back unresolved. The information is not correct and I want it corrected. I am a 15 year customer that has never had a late payment, ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without mt written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On the night of XX/XX/XXXX, I lost my phone at a house party around XXXX. After searching for several hours, my friends and I found my phone in a bush in my front yard, with its screen cracked. When I opened up my phone, I panicked after seeing that several transactions had been made via XXXX and Venmo to people I did not know. I immediately froze my bank account to prevent the funds from leaving. I then contacted Venmo about the situation, but to my surprise there were already several chats opened with Venmo customer service during the time my phone had been stolen. Extremely worried, I tried to explain to them the situation regarding my device over chat, but I feared that I wasnt conveying my thoughts clearly because I was so stressed. Over the next several days, I reached out to Venmo via both phone call and email to explain the situation better. However, each time, I was provided with a generic response via email, suggesting that they had not read my emails at all. I grew increasingly frustrated, because not only was my bank account still frozen, but I felt like I was doing my part to explain in great detail the situation I was in, with little effort shown on the part of Venmo. Yesterday, they denied my complaint on the basis that the dispute was opened because [ I ] did not receive [ my ] merchandise, when that was not even why I was trying to dispute the payment. This further demonstrates that they did not even read my emails about how my phone had been stolen. I can not even explain how frustrating this process is. Now they have posted a negative balance on my account and threatened to send me to debt action if I do not pay it back, when I DID NOT MAKE THE TRANSACTION AT ALL. Venmo customer service has been extremely inept. Even XXXX was easier to work with and understanding of my situation XXXX returned my money in four days. Not only did Venmo Support not read my emails, but they also took an entire day to respond to each email, and there was no way for me to speak to someone on the phone who could help me with unauthorized transactions. Their only phone support told me that they could note my case but had to send the case details to email support the Account Specialists had no phone line. How is it possible that such a large, seemingly well-respected company had no phone line for cases of high urgency? This has been an absolutely ridiculous process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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 a flight to XXXX scheduled for the end of XXXX (XX/XX/XXXX ) from XXXX for {$370.00}. The airline cancelled the flight in response to the Covid-19 pandemic. Per the airlines website, they indicated that refunds were available, and I should contact the travel agent I booked with in order to receive my refund. I called the merchant, XXXX, to request a refund. XXXX does not provide a toll free number for support, and so I was forced to make an 87 minute international call. I was on hold for more than an hour before finally speaking to a representative, who informed me that I would receive a refund within 2-8 weeks. 

I provided Capitol One with my initial receipt, as well as cancellation emails from both the airline and the travel agent. I included the relevant section of the carriers website indicating that I was entitled to a full refund. I even provided them a copy of my phone bill showing the 87 minute international charge. They have however refused to return my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently submitted a request for an investigation of the disputed items, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-04-01
Company: CURO Intermediate Holdings
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: Account information incorrect

Complaint:
The dates shown on my credit report are incorrect. This is several years old and the info on my credit report shows that its recent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I XXXX  : XXXX a natural and real living human being ( consumer ) who is the Beneficiary of XXXX XXXX XXXX have been disputed these accounts below for the last 3 months and and I received my updated credit report that TRANSUNION dated XXXX XXXX that said they have verified these disputed items : 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 XXXX XXXX. 

How is it possible for these disputed items to have been properly verified because if so they would have been accurate across all 3 credit reporting agencies instead the same inconsistencies of my first two investigation that still remain. I know for a fact that each account disputed has inconsistency of such as incorrect Date opened, Last activity, High balance or last payment entered on my credit report. ( See Attached ) I asked for them to send me the exact process that was used and who determined these accounts were accurate including First name, Last name, badge number, telephone number and position with TRANSUNION and how long they been with the company. Pursuant to 15 U.S.C 1681 ( I ) 7-Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The anxiety and stress this is causing me has me prepared to seek civil damages against TRANSUNION for the violation of my consumer rights & if these accounts are not Deleted immediately that will be my next step. This was not drafted by any 3rd party, I am a law major and very familiar with my consumer laws.

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 2021-10-22
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:
I, XXXX XXXX XXXX, fully authorize this investigation. I am a victim of Identity Theft & I have attached my FTC Identity Theft report. Please see the attached information and remove all the corresponding unauthorized information promptly within 4 business days.

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 2022-10-06
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The error on my credit report that was addressed is inaccurate and your refusal to comply with my dispute request is not acceptable. This is your final chance to resolve the inaccuracies on the item : 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 2023-01-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Today on XX/XX/2023 at around XXXXXXXX XXXX. PST, portfolio recovery debt collection called my husband and asked if it was me, to which he said no, and asked who is calling and they refused to tell him who it was calling. And told him that they were not identify themselves until he confirmed my date of birth. He thought it might be my doctor 's office so he confirmed my date of birth and afterwards they told him that they were portfolio recovery debt collection. He then immediately hung up. They are not allowed to call other people about my debt, and they are supposed to identify themselves especially when asked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
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:
On XXXX I soldthe vehicle associated with the XXXX XXXX XXXX XXXX This account is reporting a late payment for themonth of XXXX and XX/XX/XXXX and then closed on XXXX XXXX. This is inaccurateand false. I sold this truck as is to XXXX XXXX and signed all of the legal documents generated by XXXXthrough their communication with XXXX XXXX. As of XX/XX/XXXX I no longer owned the truck or had access to it. Per thecontract that I was obligated to sign, XXXX Bankverified all information with XXXX. XXXXXXXX XXXX XXXX representative 's name is XXXX XXXX per thecontract I signed with XXXX. As of XX/XX/XXXX XXXX XXXX held the title. The XX/XX/XXXX and XX/XX/XXXX late reported on this account are inaccurate and false because the vehiclewas legally sold to the dealership who was in communication with XXXX XXXX. I was not obligated to make any furtherpayments to XXXXXXXX XXXX for XXXX and beyond based on XXXX XXXX XXXX  and XXXX XXXX communication. The derogatory payments reported should be removed from my public consumer file in accordance with the FCRA. See contract attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22
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:
The debt that Equifax is reporting by XXXX XXXX is not a valid debt. Equifax is, by law, required to reach out to the data furnisher, XXXX XXXX to VALIDATE the debt or to prove that there is a contract that I am legally obligated to pay such company. So far, Equifax failed to obtain any such information from XXXX XXXX. There is a stark difference between what is called verifying versus validating the debt. Equifax, once again, documented that they verified the debt rather than VALIDATING the debt which they are required to request from the data furnisher, XXXX XXXX. It has been over 30 days without me receiving any debt VALIDATION. Equifax is now required by law to remove this account from my credit file because there is no VALIDATION that I legally owe any such debt to XXXX XXXX. I have never heard of or ever dealt with XXXX XXXX and do not have any binding contract with them. I am attaching proof that Equifax is reporting that they verified the debt rather than investigating the VALIDITY of the debt like they are required to do by LAW!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Experian Information Solutions Inc.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX I tried to submit a payment to my XXXX XXXX for {$570.00}. This was done before my bill and statement was due. But I was unaware that the payments were connected to my savings instead of my checking. This caused my account to show up as a late payment on my credit report.

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 2023-08-22
Company: EQUIFAX, INC.
State: IA
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 submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 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 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 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 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 2021-10-22
Company: ONLINE Information Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi. I received a letter in the mail of a debt that is not mine from 2017. I have no outstanding bill with XXXX XXXX XXXX. I have tried calling to speak with someone to explain that I have no outstanding debt and no one will return my call. I'm very confused as to why I'm getting this letter. It is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened an account with America First Credit Union, This account funded my XXXX account.They closed my account without my knowledge. The bank said they closed it with a notarized letter. They said it was closed in 2018 after my address change. I did not authorize. I have a letter of that but, I am holding it for my personal records. I did not notarize a letter to close my acccount. When I called them all my questions had been changed to XXXX information, My address was changed without my knowledge. My funds have been drained. 
My identity has been stolen, I have contacted the FBI and made a report to the local police they did not want to take the information. I spoke with XXXX XXXX XXXX and opened an investigation and he has never gotten back to me, When I opened my account with America First Credit Union with about XXXX, Then I funded my Cuso account with it. 

My XXXX account was worked with with XXXX XXXX and now has been taken by XXXX XXXX. When I looked at XXXX account I see that I am losing thousands of dollars within the past few months. 

I have an attorney doing an investigation on what happened with my funds. XXXX XXXX and has sent an inquiry to investigate it. 

I am in the process of a hellacious divorce with a person who's name was all switched over to their information. I need help. He is an IT tech and had access to all my information. When he came back to visit the kids he had a social security card and passport and other personal information. I do not know if he is responsible but, it is possible. He is in the military active guard reserves. Last address I knew was in XXXX Oklahoma stationed in XXXX XXXX. 

Please help me get my funds back and my identity. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: Atlanticus Services Corporation
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I got an Aspire card, issued by the XXXX XXXX XXXX  in XXXX of XXXX. I have paid for credit protection for over XXXX  years, roughly XXXX  XXXX! XXXX. I lost my job in XXXX and filed a claim on XX/XX/XXXX. I submitted the requested documents through the mail. They never told me they didn't get them, so when I got another past due bill at the at the end of XXXX, I called them and was told they never recieved them. It would have been nice for them to tell me, but ok, I resent the paperwork electronically on XX/XX/XXXX. After hearing nothing again, I contacted them again. They told me the paperwork was not acceptable, because it was hand written. Again, this is after I chased them down. So I submitted additional documents that were official, from the XXXX  XXXX. In the meantime, they cancelled the credit protection plan because the bill was past due. I call Aspire, they say call XXXX XXXX. I call XXXX XXXX, they tell me call Aspire. I have paid approximately {$460.00} for nothing but stress and aggravation, and multiple calls, emails, and texts with demands for payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief