BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE 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: Personal information incorrect

Complaint:
For the past year I've been trying to get Transunion to correct my name on my credit file. They have me as XXXX XXXX XXXX XXXX. I am not XXXX After literally 5 dispute actions they still refuse to correct my name and this has caused me to miss financial opportunities.

The company continues to tell me the information is accurate as though my birth certificate and my government issued identification is somehow wrong in their opinion. I have never used any suffixes regarding my name on purpose or accidently and I need this corrected immediately.

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.

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 non-monetary relief
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
n 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 a account without my written instructions There is incomplete and inaccurate information on my 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 2023-12-06
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/ my Venmo account was suspended without any reason provided. The first email I got stating my account was suspended stated " Weve noticed some unusual activity linked to your Venmo account which may be in violation of our user agreement. To help us protect your account, your account has been suspended until we hear back from you. You may have also received a separate email providing more information about the suspension of your account. To resolve this issue, please submit a picture of your photo identification via our Document Upload Form, linked below. For your privacy and security, please do not reply back to this email with your documents '' So I did send pictures of my drivers license. After waiting 24 hours I called the support line, where I was told to wait for the process. I also emailed again, which the response was " Your Venmo account has been restricted due to recent activity that appears to be a violation of our User Agreement. At this point, your case requires the attention of another team. I will forward your case and they will follow up with you here, via email in 7-10 business days. In order to make this a smooth process, please respond to this email chain with any additional questions or concerns that you may have '' I surely have not violated any of the terms of services. Not even in the second email did they provide a reason. I had several automatic payments on my venmo account which I will now owe fees to. I also have several hundred dollars in my account which I can not access. I also have my direct deposit going to my venmo account which I will have to change now it may cause some big issues. After some research, it seems to be common for people to get suspended for no reason with money in their account. I havent had any high priced transactions either, nothing over XXXX which was my direct deposit amount. I'm not sure if they are doing some sort of scheme but it seems far too common to happen. They shouldnt be allowed to randomly hold/take peoples money without at least a specific reason. To reitterate this seems to be a very common thing venmo is doing. I appreciate the help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2018-12-05
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have provided Equifax, XXXX and XXXX standardized affidavits and provided notarized identification, in compliance to the Fair Credit Reporting act 610 ( a ) ( i ) and FCRA 609 ( a ) ( 1 ) ( A ) informing these companies of an inaccurate bankruptcy and debts discharged reporting on the credit file maintained under my social security number. 

XXXX XXXX was also reporting this inaccurate information but deleted it as a result. Therefore, because I am a victim of identity, I have filed an attached my FTC report under the FCRA 609 ( d ) ( 1 ) in reference to this reporting. Section 1681 e ( b ) requires these organizations to verify my identity with the original furnisher, and they have not because I have written and contacted the courthouse listed on the report and they responded back on company 's letter head that it was not the provider of this information and since XX/XX/2005, do not keep full social security number because of this very cause FCRA section 1681 ( a ) ( 5 ). 

This is affecting my ability to get credit and my livelihood, according to my state attorney, Mr . XXXX, ( Mississippi ) this a violation of my privacy laws of the FCRA and identity. XXXX XXXX XXXX v. XXXX XXXX XXXX court case shows the judge ruled that the court can not just rely on computer generated documentation. Therefore XXXX XXXX verification or 3rd party is noncompliance and unverifiable, so I requested in legal documentation affidavit to provide me the name, address, and telephone number of anyone from the original source, furnisher, that was contacted under the FCRA 609 ( a ) ( 2 ) and all 3 companies have failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This complaint concerns Venmo support ticket XXXX, filed in response to a {$1000.00} transaction on XX/XX/2023 from my account ( XXXX ) to user @ XXXX. I was the victim of an employment scam, and this account fraudulently collected money from me. When I contacted Venmo, they said they take it seriously but would not reverse the charges not provide me any further information, citing privacy like a shibboleth that magically excused their failures. 

The account contacted me claiming to be XXXX XXXX XXXX XXXX XXXX ( they were not ) and offered me employment. After a fairly normal interview process, they sent me a check to buy equipment for my home office. That check then proved bad after I paid their alleged vendor, and I am out {$1000.00}. I acknowledge that I made a serious mistake in not doing better due diligence. I also acknowledge that the criminal here is the root of the problem. However, I allege the following against Venmo : XXXX ) There must be some way to challenge fraudulent payments. Venmo flatly refuses to provide any remediation path whatsoever, and they won't even talk about it. 
XXXX ) Venmo failed to verify the identity of their customer @ XXXX, and this resulted in a fraudster using their network and their inability to track them. 
XXXX ) Venmo failed to take adequate steps to make sure those using their platform were doing so in an honest manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: MD
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: Investigation took more than 30 days

Complaint:
I have reviewed a copy of my credit report and I show company XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have not received physical mail during this or last month 's billing period. Also, the minimum monthly balance for XXXX was paid, but I received a notification that I didn't pay. This information needs to be more accurate with the credit reporting agencies. Lastly, I disapprove of any of these agencies using my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02
Company: Heavner, Beyers & Mihlar LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX XXXX XXXX has filed suit via a Debt Collector lawyer on a debt that I did not owe or sign for. I have not been notified of this debt and they have not validated this debt. The only way I knew that this was happening and that they were fraudulently charging me and attempting to sue was by chance. I was contacted by a local Bankruptcy lawyer looking for my business and was provided with the court filing that included the lawyer filing the suit. I have demanded debt validation with both XXXX XXXX and the collector, but I am filing complaint asap to get this resolved and stopped immediately. My income is through my late husband 's social security income for our children and not garnishable anyway. However, since they have not provided me with any debt validation and have moved to sue without any contact or warning, I have no choice but to submit this complaint and notify them that I will pursue a suit of my own for their violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : {$0.00}

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 2019-09-12
Company: ERC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ENHANCED RECOVERY COMPANY ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$130.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2015 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: U.S. BANCORP
State: UT
Product: Prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I have been using a usbank focus payroll card. On XX/XX/ at XXXXXXXX XXXX I got an alert on my phone that three separate chargers were added to my account all via ATM charges. The first charge was for XXXX, the second charge was for XXXX and the third charge was for XXXX. I havent lost my card or given my information out so I do not understand how this was possible. I called my bank as soon as I noticed which was at XXXX XXXX I canceled my card and tried to report the charges as fraudulent. I was informed that the charges were withdrawn from Florida which is across the country from where I am. Usbank stated that they will start an investigation and mail me paperwork that will arrive in three business days. They stated that the investigation can take up to 90 days and that they will not return the money that was stolen until the investigation is finished, and that it was proven that fraudulent activity has taken place. I also ordered a new card that should arrive in 7-10 business days. I plan on making a police report today.

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 2023-05-23
Company: CrossCountry Mortgage LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
on XX/XX/XXXX XXXX/CROSSCOUNTRY MORTGA Pull my credit without my permission, or without a permissible purpose, by law, they are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( I ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) They also are trying to mislead me by saying in a letter send to me, that I gave verbal permission to XXXX XXXX. I have checked all my corresponded between me and him. I have NEVER gave him Permissible Purpose. I have attachment screenshot of our conversation. 

XXXX XXXX guarantee me that he did one hard pull in my screenshot of our conversation. Now in this letter they send me he said I gave a verbal permission for a 2nd credit score pull.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
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: Account status incorrect

Complaint:
On XX/XX/2022 I attempted to apply for XXXX credit card. I was notified that XXXX and Transunion are reporting that my mortgage XXXX  XXXX XXXX  XXXX is late and Im in a repayment plan. Im contacted all bureaus and mortgage company and all of them are saying it false. I contacted XXXX and they ran it again and stated that XXXX is reporting that negative information. I am not and have not been late on my mortgage and no one from XXXX or Transunion is trying to assist me.

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 2023-12-05
Company: First National Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company is harrassing me texting my phone looking for someone else. I want them to stop. Leave me alone my name isn't XXXX. I've told these vultures before to stop contacting me and they don't listen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: SD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I purchased a vacuum from an inhome sales person. I got the loan from this company in 2017 for XXXX . Within the 1st month the vacuum broke and I attempted to return it but they refused to let me. The have since been charging me interest and refusing to close out the account. They sent me an email today stating that they would take 0.95 % of my balance which was currently at XXXX $ to settle out the account which would equal about XXXX XXXX When I called them an hour after i received the email, they said my account was XXXX $ and they would only accept 95 %. There is a vast difference in that and the agent assigned to my account refused to put anyone else on the phone. I don't understand how they can do this as they lied to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE 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: Account status incorrect

Complaint:
Okay so on my credit report there is reporting duplicate accounts with the information incorrect on both. Not only that this information was verified as accurate. I have disputed this information twice now and it is still reporting inaccurately.

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 2023-04-18
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
I've found that my credit report has erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-12-05
Company: CAINE & WEINER COMPANY, INC.
State: FL
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:
I am not liable for this debt with the debt collector, I do not have a contract with that company. They did not provide me with the original contract as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Sequium Asset Solutions, LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The calls go right to voicemail and give no name or what the debt is for. They call more than 7 times in 7days in fact at one point it was 12 times in 7 days. But I never get the call and I can not attempt to contact them back. I will copy the transcribed voicemail here for you to see why this has become rather stressful and disruptive to myself and my family. 
This message is for business name, XXXX This is Sequim asset solutions calling regarding your spectrum account. Please call us back at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX  to XXXX XXXX XXXX XXXX XXXX XXXX XXXX thank you. but the actual message is a recording and says this message it for name XXXX XXXX XXXX. Its to the point it's disrupting the flow of my day and caused me to avoid answering my phone at all causing additional issues in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check and they are holding the funds for 60 days. 

On another transaction they are holding the authorization for several days after the final charges goes through, causing my account to lose balance and incur fees.

Company response to consumer: Closed with explanation