BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/22 XXXX alerted me of a Hard Inquiry from XXXX XXXX XXXX, I did not apply for. 
Then several other Hard Inquiries start popping up, XX/XX/22 XXXX XXXX, XX/XX/22 XXXX XXXX XXXX XXXX XXXX from XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XX/XX/22 Hard Inquiry at XXXX XXXX. My Credit Score is going down so quick. I am trying so very hard to keep my Credit Score to the Max. Paying all on time and extra amounts monthly when I can. 
I have paid over {$200.00} to XXXX to lock my credit report companies. Who ever this person or persons are even have my Drivers Licence Number. XXXX says My Information is in the Dark Web. I Want Them Stopped Please! Thank th

e Lord these people have not gotten Money, that I know of right now. I have been in
touch with all Companies. They have sent me letters saying they will remove the Inquiries. But still, how long does this take?

Thank You for your help, in advance!

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 2020-06-10
Company: EQUIFAX, INC.
State: NC
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've been dealing with equifax to fix these issues since I was part of their data breach a couple of years ago. 

I've filed a dispute with them they wait a few weeks say it's complete, send me a pdf credit report showing the negative item that is not mine is removed. Yet online they are still reporting it and it is affecting my score. 

This is my last attempt before I move to go to the court for sanctions against equifax for violating our settlement agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: BB&T CORPORATION
State: PA
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 viewed my credit report and there are many unknown names, numbers, addresses and inquiries associated with my social security number.

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 2023-06-02
Company: Aldous & Associates, PLLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
They dont explain what the debt is from. I cancelled my membership immediately following the pandemic after the gym lied that they were unable to furnish me with account membership information and l cancelled my membership exactly as required. And many months later I begin receiving these messages with zero explanation of the alleged debt or option to dispute the alleged debt : Aldous & Associates logo Attorneys At Law Date : XX/XX/2023 YOUR ACCOUNT NUMBER : XXXX Agreement with : XXXX XXXX Current Balance : {$260.00} Hi XXXX XXXX : This is another past due reminder. Non-receipt of payment could potentially result in reporting on credit. We have not received a payment for your account XXXX with XXXX XXXX. {$260.00} is still outstanding. Please make payment via ACH or credit card at our portal. To make a payment, click on the given link. 

Pay Now Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 

Sincerely, Aldous & Associates, P.L.L.C. 

THIS IS AN ATTEMPT TO COLLECT A DEBT : ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. 

At this time, no attorney with this firm as personally reviewed the particular circumstances of your account. 

Go to cfpb.gov/debt-collection to learn more about your rights under federal law. 

VISIT WWW.ALDOUSLEGAL.COM OR CALL XXXX FOR MORE INFORMATION. XXXX XXXX XXXX. 

Office Hours : Mon Thu XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If you no longer want to receive these emails, click here to unsubscribe. 

Please do not reply to this email as this address is not monitored. 
CONFIDENTIALITY NOTICE : This electronic transmission ( and/or the documents accompanying it ) may contain confidential information belonging to the sender that is protected by the Electronic Communications Privacy Act, 18 U.S.C. Sections 2510 and 2521 and may be legally privileged. This message ( and any associated files ) is intended only for the use of the individual or entity to which it is addressed and may contain information that is confidential, subject to copyright or constitutes a trade secret. If you are not the intended recipient you are hereby notified that any dissemination, copying or distribution of this message, or files associated with this message, is strictly prohibited. If you have received this communication in error, please contact Aldous & Associates , PLLC immediately by telephone and destroy the original message. Messages sent to and from us may be monitored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to the Fair Credit reporting act ( XXXX XXXX XXXXXXXX ) 15 U.S.C 1681 Section 602 A. States I have the right to Privacy 15 U.S.C 1681 Section 604 Section 2 also states a consumer reporting agency can not furnish an account without my written instructions also a FTC report was sent to remove this account.

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 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
The credit reporting agency XXXX has multiple incorrect addresses on file for me. I have disputed it and they continue to verify it but again not true! I looked up one address and it belonged to a business!! But they refuse to reinvestigate it.

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 2023-06-02
Company: Illinois Collection Service, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please send DEBT VERIFICATION LETTER. I have no idea what this. You keep sending bills that I still have no idea what this is. I need something with my signature proving this is my debt. Other wise remove debt from 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 explanation
Consumer complaint received 2022-05-14
Company: EQUIFAX, INC.
State: NC
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 account you are reporting is identified as an installment loan which is factually incorrect. The true account type for this account is a Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately, The cars were also auctioned off for sale by the finance company so the balance is also incorrect I have all factual documentation to backed this claim and if the bureaus do a complete and correct investigation instead of allowing these companies to tell them its correct and the investigation is complete, that is not accurate or acceptable I demand these car collections be removed from all three of my reports for XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian has been using E-OSCAR to continuously to verify these inaccurate entries on my credit report for 3 years! You or the collection agencies showed no proof verifying these dates belong to me. Please follow The Fair Credit Reporting Act Sections 609 and 609 stating that you must validate a debt by forwarding the original contract bearing my signature, DOB, SSN etc. Why is it taking three years if your obeying the regulations? Because you don ; t have the information needed to keep these inaccuracies on my credit report! 

I've played this game for three years! Obey the regulations. If Experian acts in good faith and adhere 's to The Fair Credit Reporting Act, these inaccuracies would've been removed in 2017 when they were first disputed. 

You're also acting in bad faith by not telling the consumer once an account is disputed online the consumer 's rights are waived, and are automatically stick with a debt that doesn't belong to them! 

Since you can't furnish the original contract bearing my signature, DOB, SSN, act in  good faith and remove these negative items from my credit report! 

Please forward the original contract bearing my signature, DOB, SSN, etc validating the debt belongs to me through this portal. I want the CFPB to see that Experian is acting in bad faith. How are these debts being validated? Anything you send to me, please send through your response to my complaint.

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 2018-05-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
We had a charge on our account for contractual services that were never received according to the signed contractual obligation. The change has been disputed multiple times through Wells Fargo. Instead of investigating, Wells Fargo chooses to close the dispute without notice or comment. Wells Fargo refuses to investigate and does not protect their customer/consumer.

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 2023-06-02
Company: Viking Client Services
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I rented a car from XXXX XXXX a car in XXXX XXXX MO on XX/XX/2022. Car was to be returned on XX/XX/2022. However, In the morning of XX/XX/2022, I got ready to go to my appointment, which was the major reason I rented a car, because my I dropped off my car at the mechanic. I started the car and it wouldn't come on. I called XXXX customer service, the lady I spoke with on the phone tried to see if she can walk me through trying to start it. It didn't work. She told me it may be more than just a battery situation and said she will send a tow to come and get it and also informed me that a replacement vehicle has been set up for me at a different location. I went to the other location and they told me they did not have any car available for me. I called XXXX customer service to inform them. they sent me to a different location, yet I did not have any car. I went ahead to my appointment. The car was towed and I did not get a replacement. And by that afternoon when it was towed, I have taken multiple Ubers to get to my appointment. I called XXXX to report this and they said to see what they can do. I rented the car via my XXXX XXXX credit card which seems to have collaboration with XXXX. I called my credit card and informed them and filed a dispute because I did not use the car for the whole intended duration and did not get a replacement. I was not going to pay for a service that was not provided. My credit card company credited me an adjusted total of {$180.00}. I was told by my credit card company that it's been resolved. I went to military training since XX/XX/XXXX and I just got back home, and I was going through mails and I saw that I had a collection from Vikings Client Services LLC, representing XXXX in collection of {$180.00}, " a debt that I owe '' and that I was placed on " do not rent '' by XXXX. Which I did not understand because I have rented from XXXX after the fact. I called XXXX customer service and was told they couldn't see where I owed money. I called Vikings client services and they insisted that I owed XXXX money and that I'm still on the " do not rent '' list.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: Paypal Holdings, Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My account was frozen back in XXXX of XXXX. They froze my account with {$1600.00} and have refused since then to release my funds. I have over 70 tickets with venmo regarding this matter of which maybe only half have been answered. I have filed with the XXXX in which Paypal, who owns Venmo, responded and said my funds would not be released due to strict violations of their policies. I then emailed PayPal and got an email after 3 years of asking why and they stated I had committed fraud and suspicious activity on their app. I have read Venmos policies and it states funds can be held up to 180 days. Venmo has flat out told me I will not get my funds back and that they can hold my funds for however they want to. They cause damages and defamation of character accusing someone of something without explanation as to why, which they also states they do not have to do. Venmo bends their contract to the current situation which in turn means it really isnt a contract if it can change under sole discretion. Many, many people have had their accounts frozen and had their funds held for things as simple as sending birthday money and Venmo does not have to offer a reason why and then gets away with just keeping the money. 

**Sent complaint into Venmo on XX/XX/XXXX and the complaint was sent back on XX/XX/XXXX saying they are not the ones responsible for this complaint. **

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021, a purchase of {$49.00} was made online through XXXX and appeared on my CapitolOne Visa bill. I reported it as soon as I saw it. I have never had my Visa credit card attached to my XXXX  account. I explained this to CapitolOne. They investigated and didn't believe me even though I rarely used the credit card inside the United States. I got the CapitolOne card for travel outside of the United States when merchants do not accept XXXX XXXX. My XXXX XXXX card was also hit with fraudulent charges and the issue was immediately resolved by XXXX XXXX without me losing any money out of pocket. With CapitolOne, I was forced to pay the fraudulent charge. I then closed my account due to the lack of protection from fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: General Motors Financial Company, Inc.
State: KS
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:
I noticed unauthorized inquiries on my credit report that would like removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
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: Account information incorrect

Complaint:
The vehicle loan was financed through XXXX XXXX starting XX/XX/XXXX. About 7 months or shorter into the having the vehicle someone stole and totaled the it. After several months of unanswered questions by XXXX XXXX I was finally able to pay off the vehicle in full. Fast forward to today I noticed they marked this as a charge off in XX/XX/XXXX. I have not been able to get any answers as to why this is marked as a charge off. The charge off needs to be removed from my credit report because I had nothing to do with someone stealing and crashing the vehicle. I should not be penalized for this.

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 2022-05-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my XXXX XXXX XXXX XXXX since XX/XX/2021. My paypal account : XXXX. has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Paypal Holdings, Inc
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/2021, I filed a dispute with PayPal on a transaction through XXXX. I notified PayPal Credit and Pay about the transaction dispute ; on XX/XX/2021, Paypal Credit put charged {$280.00} back on my account. Paypal never closed my account dispute ( Case ID : XXXX ) ; they sided with the person that conned me on XXXX. A seller sent me the tracking number ; however, the item was not a XXXX sXXXX. It was a bag of rubber bands that they sent to me. I felt that this seller had duped me. I have provided the pictures to Paypal to show proof with the tracking number included with the package. After the item was purchased from XXXX, the person removed his account from the seller 's log. I provided the information with pictures. I sent all the information to Paypal, yet they sided with the seller. I will not allow the seller to con me. I sent all the evidence to Paypal ; it angers me that they sided with the seller without contacting me for more evidence. They have delayed the dispute ; the credit card company ( Paypal credit ) recharged {$280.00} without contacting me immediately. I feel that Paypal is looking the other way, allowing fraud transactions to occur. I waited over 4 hours to reach a live person they still did not resolve my situation I had to hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hello sir. My PayPal account was already limited. Help me restore my PayPal account for me to withdraw my money and also use my PayPal account for remittance and savings. Thanks a lot

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Earlier this year I requested debt validation from both the collection agency and the XXXX credit bureaus. I never received anything proving this is mine. I have never opened or done business with XXXX Id like all proof, including any and all documentation proving this account is mine with signatures and identification used to do business with them.

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 2020-01-30
Company: Nelnet, Inc.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was never notified that my loan went out of deferment which is now showing as late payments on my credit report. I am trying to buy a home for my family and these are standing in my way! I never received a phone call about it as well.

Company response to consumer: Closed with explanation