BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-18
Company: Experian Information Solutions 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:
I was a victim of identity theft for over 3 years now, while I was receiving XXXX because of the aggressive XXXX. My creditors did not protect at all while I was battling for my life and this is wrong on so many levels. This is my last and final time reaching out to the creditors and credit reporting agencies. The next step would be contacting an attorney and suing each creditor one by one plus the stress it has caused and court cost. This has been a nightmare, I had to change my drivers license number and contact SSA. This guy even pulled money from my 401K account. I also attached a copy of the police report. The following accounts need to removed immediately XXXX XXXX XXXX XXXX -- never opened an account with this company and would like for this company to send me signed contract with my signature. This is a fraudulent account I want removed immediately. 

The XXXX  XXXX XXXX  -- -- This account was opened and used without my consent, please remove XXXX XXXX XXXX  -- -This account was opened and used without my consent please remove XXXX XXXX  XXXX XXXX -Account used without my permission and fraudulent charges by roommate please remove immediately XXXX/XXXX  -- -This account was used and charges were made without my permission please remove from credit file XXXX/XXXX  plcc -- This account was used and charges were made without my permission and consent please remove from credit file XXXX XXXX -- -- This account was used , services were added and I did not consent to this account please remove. 

XXXX XXXX -- -XXXX  is aware of this account also, XXXX closed my account because of suspicious activity I remember them reaching out to me prior to XXXX and XXXX  XXXX along with XXXX I never heard back from them. Please remove account XXXX -- -Charges made and card used without my consent, please remove

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 2023-10-11
Company: Experian Information Solutions Inc.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXX/XX/XXXX XXXX Creditor : XXXXXX/XX/XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XX/XX/XXXX XX/XX/20XX/XX/XXXX XX/XX/2022 XXXX 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-08-01
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I received {$15.00} from a friend on Venmo. They froze my account twice without reason nor did I violate a user agreement. It has been frozen for XXXX weeks. I am falling behind on bills to provide for me and my XXXX children. I spoke to several team members of Venmo and it has yet to be resolved. Ive sent my driver license several times as well and its still frozen. I tried to close the account but they said it has to be unfrozen first. I feel like they are scamming me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: Conduent Incorporated
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Fraudulent charges were made and about XXXX was stolen from my account. Eppicard representatives were not helpful and act like they do not care about fraud transactions. The workers should be looked into and this company should be looked into, as many others have experienced fraud with this company. How evil of a scam to steal from a child support program that is to go to children.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: OS National, LLC
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
OS National is the closing company who was in charge of closing on the sale of my home. I signed my closing documents on Wednesday XX/XX/XXXX. It was a mail away closing so the other party signed on XX/XX/XXXX. The company has not wired or even initiated a wire to my account for the funds. I have reached out to several people at OS National where there has been no response on the issue other than we will look into it. I have a new home I am closing on XX/XX/XXXX and these funds are needed to be able to close. They can not send me a confirmation number for the wire they supposedly sent. The amount being sent to me is {$18000.00} and {$15000.00} was to be sent to my closing attorney for my new home. Neither of us have funds. XXXX XXXX at OS National was in charge of my closing and she has been nothing short of nasty about all of this! She has tried to change the final HUD document after I signed to add fees she " forgot to add '' previously. This company is so unprofessional and they do not care about the client.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
Transunion keeps reporting an old child support XXXX XXXX account past the statute of limitations set by the Fair Credit Reporting Act. The Fcra has set specific time limits on how long they can report a delinquent account, the creditor is intentionally putting false dated of delinquency on my credit report to re-age the debt, and they have not reported the correct history on this account, this account was to fall off last year, but they are re aging the late payments on this account, and not reporting the first date of delinquency, being that the credit bureaus have to treat this like a regular credit account, I have submitted the full history and first date of delinquency on this account, the fcra states specifically to the credit bureaus to remove this account if it antedates 7 yrs, this is 1 yr over the statutes. And they are still reporting an that they sent documented proof that they said was deleted from my report completely.. I still she the letter.

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 2023-01-02
Company: Experian Information Solutions Inc.
State: FL
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 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 explanation
Consumer complaint received 2021-10-18
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, your company responded to my cease and desist through the CFPB. The company stated account number ending in # XXXX was placed with your Internal Legal Department. In this response I was given two options on how I can contact Internal Legal shown in Exhibit A. On XX/XX/XXXX, I sent Midland Credit Management - Internal Legal an Affidavit of Truth regarding this alleged debt with XXXX XXXX tracking number # XXXX. On XX/XX/XXXX, the communication I sent to the Internal Legal Department was returned to sender due to forward expired as shown in the attachment. 

Since I am unable to reach your company via mail, I have attached my Affidavit of Truth to this CFPB complaint along with Exhibits A, B, and C showing the numerous FDCPA and FCRA violations Midland Credit Management has violated. I, XXXX XXXX, consumer and affiant has first hand knowledge of the facts stated in the Affidavit of Truth. 

As stated in my Affidavit, I demand compensation for each one of the violations that I have listed and I also demand deletion of this derogatory account from all credit reporting agencies since this company violates consumers and does not follow the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Attached is an invoice for the company 's violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
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:
I called to the credit reporting agency and let them know that XXXX XXXX XXXX account shouldn't be in credit report. I never gave them any written consent to report them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Avadyne Health Holdings, Inc
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A bill dated XX/XX/XXXX in the amount of {$740.00} from XXXX XXXX XXXX was paid in full with my HSA card on XX/XX/XXXX via XXXX. In XX/XX/XXXX I recieved a collection notice from H & R Accounts Inc., XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX, IL XXXX for two line items from the original bill. One in the amount of {$660.00} and one in the amount of {$31.00}. My wife called XXXX XXXX XXXX to ask about the collection notice and explained to them that the bill was paid in full via XXXX and was then told they don't use XXXX, she would have to call XXXX. My wife called XXXX who told her the bill was paid and was settled. My wife then called H & R to dispute the debt and gave them information related to the payment and asked if they would like the proof of payment/reciept sent to them and they declined but agreed that the debt was paid. 

We then recieved a call from XXXX XXXX XXXX and had a similar conversation and were told the account should not have been sent to collections and that it would be taken care of on their end. My wife again offered to send the proof of payment and was once again told that it was not necessary. 

Yesterday we recieved another letter from H & R accounts dated XX/XX/XXXX stating that the enclosed document would " validate the debt ''. However, it only shows proof that the charges were transferred from XXXX XXXX XXXX to H & R and in no way validates the debt. If anyone had botherd to look at my proof of payment they would not be able to validate the debt. 

My wife has spent countless hours trying to get this issue resolved. She has called the hospital, XXXX XXXX XXXX, the insurance company, XXXX, the merchant phone number provided by XXXX, the collection agency, and the financial counseling office of the hospital. No one has been able to help. The merchant phone number provided by XXXX is XXXX. A voicemail for XXXX XXXX has not returned the eight messages my wife left asking for help with this issue. 

Only two line items from the original bill have been sent to collections. The remaining three line items totaling {$41.00} from the original bill of {$740.00} has been properly allocated. For some reason, the two line items that have been sent to collections have not been properly allocated to the correct provider. I do not know what else we are supposed to do to prove the bill has been paid. I have proof of payment that includes the Transaction Date, Transaction Amount, Authorization #, Merchant ID, Merchant Phone Number, HSA routing number, Response Code, Last 4 digits of HSA Account, Authorization Code, Response Code, Transaction Timestamp, and Provider Visited. 

The debt has been paid. I have proof of payment. I welcome any assistance the CFPB can provide me in rosolving this issue. I take my credit score very seriously and do not want an issue that is not my doing to affect it in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRUIST FINANCIAL CORPORATION
State: MD
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:
Applied for a $ XXXX on line company XXXX XXXX with XXXX XXXX. Stated I was approved. Email Loan Agreement. XXXX XXXX signed and I signed. In order to deposit the money you had to have a online account. Did not have one so I open one. He send {$2000.00} for me to deposit in the account. When I did he said he would send the $ XXXX. When I did this XXXX XXXX wrote XXXX checks signed my name and the bank cash then. The bank signature does not match my signature which the bank have on file on my signature card. They went ahead and cash over $ XXXX of checks against my account. I emailed all the information from XXXX XXXX. I even called the bank to tell them to close my account. When into the bank the same day to have it closed. Yet the bank still paid the checks. Filed a police XXXX. Sign a bank affidavit. Bank even mailed a letter after they had cash the checks stating the checks did not look real. Yet they cash them. I had a direct deposit of {$1200.00} the fraud department took the deposit. I never received any documentation stating what they did with it. They also took {$100.00} from my business account XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Only reason I was trying to get a loan was because my motor blow up and my roof is leaking on my house. The fraud department at Trusit Bank has every sheet of documentation. Even after I went in the bank they still paid the checks. I never write checks. Been with this bank over XXXX years I do not even own a check.

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 2023-05-24
Company: The Bureaus, Inc.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
{$420.00} Open balance CAPITAL ONE NATIONAL ASSOCIATION Original creditor Opened XXXX XXXX, XXXX ( 4 yrs, 1 mos ) XXXX XXXX is the company that has it now. 
Last reported XX/XX/XXXX I have reported this through the report reporting agencies many times and not has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Global Lending Services LLC
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I never entered into a contract with Global Lending Services. they bought my debt for there monetary gain but has since harmed my reputation as a consumer / natural being. my rights and defamation of my character has been violated due to there inaccuracies. I disputed the account XX/XX/XXXX and the account was removed on XX/XX/XXXX which has been falsely reporting on my consumer report since XXXX. Global lending services behest a towing company by the name of XXXX XXXX XXXX  XXXX of XXXX, XXXX XXXX to steal my property from my place of abode. Let me remind you I never entered a contract with neither organizations so there was no reason neither organizations to know where to send any false and deceptive forms yet to steal my property which was for personal, household, and family use. I have since been without a vehicle and this violation of my consumer rights has since caused myself and family emotional distress from Depression of me losing my vehicle, loss of work due to not having a reliable means of transportation, XXXX XXXX, embarrassment, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions 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 information incorrect

Complaint:
Dear XXXX XXXX XXXX XXXX XXXX, I am writing in response to your recent correspondence regarding my dispute of the accounts ending in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. As I previously stated, these accounts were opened without my permission and have caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's XXXX XXXX. Your response did not fully address my concerns and I am disappointed to see that you believe that the account ending in XXXX belongs to me. I maintain that this account was opened without my permission and I demand that it be removed from my credit report immediately. Your confirmation that you are reporting accurate information is simply not sufficient. In accordance with the FCRA and CFPB guidelines, I am requesting that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report within 30 days of receipt of this letter. I am also demanding that you remove all other accounts that were opened without my permission from my credit report immediately. I understand that you have asked the CRAs to delete some of these accounts, but I want to make it clear that I am demanding their removal as well. I want to remind you that reporting of inaccurate information is in violation of [ 15 US C 1681 section 604 A Section 2 ] [ 15 USC 1681 Section 602 ] [ 15 US code 5 1681b ] and other CFPB regulations. Your failure to comply with these regulations could result in legal action against your company. I expect a prompt response to this letter and for all accounts that were opened without my permission to be removed from my credit report immediately. Please provide me with a written confirmation of your actions and a copy of my corrected credit report. Thank you for your attention to this matter. Sincerely, XXXX XXXX CFPB Codes : Bulletin XXXX Section 1036 of the XXXX XXXX XXXX Reform and Consumer Protection Act Section 1681s-2 ( a ) of the FCRA Section 1681c of the FCRA Section 1681g of the FCRA Section 1681i of the FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: HYUNDAI CAPITAL AMERICA
State: OH
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:
Hyundai sent me an incorrect invoice 9 months after a vehicle was turned-in and the lease was completed. While I was attempting to confirm the accuracy of the fee, they immediately started attacking my credit report with late payments. In the game where Hyundai makes the rules, apparently they can take as much time as they want but not afford the customer a single day to confirm the accuracy of a fee from a contract that was completed nearly a year earlier. When I realized it wasn't worth my effort to correct the bogus invoice, I decided to just pay the invoice, but first confirmed with a Hyundai representative that my credit report would be cleared once paid. However Hyundai did not update my credit report- it still shows late payments and charge off. When I disputed the account remarks to the credit reporting agencies, they took no action because Hyundai falsely confirmed everything to be accurate. Please see attached order from the CFPB that required Hyundai to pay $ XXXX for the exact same actions that they have done to me. They literally destroyed my credit score, even though I was a perfect customer and never missed a payment for 3 years. Well, it looks like Hyundai is still up to their unethical tactics and haven't learned from the $ XXXX order.

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