BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-07
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX XXXX XXXX # 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 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 the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall ot furnish any information relating to a consumer to any consumer reporting agency ifthe person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: EQUIFAX, INC.
State: IL
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 told Equifax to reinvestigate the accounts related to XXXX XXXX XXXX ( previously held by XXXX XXXX XXXX  XXXX ). However, they stated that everything was complete and accurate but how is that possible if the open date, date of last activity, and much more is incorrect. According to 15 U.S.C. 1681 ( 5 ) they are supposed to modify accounts that aren't reporting correctly. 

Also refer to : 15 U.S.C. 1681 section 602 a 15 U.S.C.1681 section 604 A Section 2 15 U.S.C. 1681c. ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) Also they aren't. even compliant with metro 2 credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: JPMORGAN CHASE & CO.
State: OH
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 was charged in error by a hotel for a stay in which I used points to pay for my room. The hotel says they did not charge my card, or that they charged my card and then immediately reversed the charge, yet my card is still showing the debit of {$160.00} I have called Chase and they will not refund my money. They insist on me providing documentation of points being used for the stay, when the hotel could easily provide this information. I have a life, and have now wasted over a month of phone calls and emails to dispute something. It is clear their agenda is to get me frustrated enough to just give up so they can have my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Arena Investors, LP
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
North Shore Agency or SRAXXXX, is in direct violation of FDPCA by attempting to contact a minor directly to recover a fraudulent debt claim. NSA provides an inoperable phone number in their " form letter '' that is designed to waste approximately 7 minutes of the consumers time before automatically hanging up on the caller, this makes it impossible to contact them directly ( multiple reviews on XXXX website can confirm consistent issues with company communication ). A XXXX nubmer for their associates SRAXXXX will get you in contact with the NSA director of opperations, XXXX. XXXX is a big fan of hanging up on people with legitimate concerns, so be prepared for that. XXXX claimed I didnt identify myself, then claimed I falsly identified myself, then refused to speak with me on the account they are attempting to collect from my XXXX yr old son, because they were to ignorant to spell my sons name fully or correctly. XXXX took it upon herself to change the address, refuse to verify the debt, refuse to cancel the debt, and refused to provide the name, address, and contact info for the original creditor... all further violations of FDPCA. XXXX XXXX actions orginate from illegal scams ( debt collecting from minors ), and perpetuate the problem through her dishonesty and shady practices. Whats worse is because of her actions there is some sort of claim for collections against my son ( or a horrible mispeleed variant of his name ) " out there '', and I have no way to settle, verify, or cancel it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
THIS COMPANY IS CHARGING ME UNAUTHORIZED LATE FEES AND CHARGES ON A ACCOUNT I REQUESTED TO BE CLOSED AND BILL I PAID THEY WERE SUPPOSED TO REMOVE LATE FEES WHICH IS HOW THE COHERSED ME INTO PAYING THE BILL FOR CHARGES I DID NOT HAVE AND HAVE YET TO DO SO AND REPORTING ME LATE ON MY CREDIT REPORT I HAVE BEEN AFFECTED BY COVID AND THEY CONTINUE TO DEFAME MY NAME WHEN I HAVE STOPPED DOING BUSINESS WITH THIS FRADULENT COMPANY XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-12-09
Company: EQUIFAX, INC.
State: TX
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: MEGA CAPITAL FUNDING INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2021 we sent a payment of {$1300.00} to open an escrow account to cover property tax and insurance. as of this date the account is more than two weeks from being functional. 
Despite several telephone conversations assuring me that the mortgage company would now be responsible for those payments our insurance policy was cancelled for non-payment. This resulted in a new policy being issued at an higher rate. 
Today we received a final warning letter from Mega Capital Funding that there is no proof that we have hazard insurance and they intend to purchase a policy and bill us. 
We have several recorded conversations in which they state that the have everything they need and the escrow account will be opened and functional by a certain date. all the promised dates have passed ( the latest was XX/XX/XXXX ). 
After a long ( XXXX ) recorded conversation today, the next promise is that the escrow account will be all set-up by the first week in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Experian Information Solutions 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:
This is my 2nd letter that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft.These items are unknown to me. Also, the information you provided on items are DELETED from other bureaus and I have doubts in their accuracy and they are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2021-06-17
Company: Eastern Account Systems of Connecticut, 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:
Eastern Account System were contacted on numerous occasions with information stating the account doesn't belong to me. I have a letter from XXXX XXXX that states this, but Eastern Account System continue to place this negative report on my credit. I've been fighting / disputing this company for months now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired TransUnion, who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached EMPLOYMENT INFO : XXXX need to remove & updated ADDRESSES REPORTED : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX need to remove & updated Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( date last active ) reporting differently on each bureau ( XXXX XX/XX/XXXX ), ( TransUnion XX/XX/XXXX ), ( XXXX XX/XX/XXXX ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, TransUnion, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX, XXXX, and TransUnion has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-05-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I have filed identity theft and police reports. I have also contacted all 3 consumer reporting agencies. It is almost 60 days the accounts are still on my report, and I have not received any correspondence from the consumer reporting agencies. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with MAXIMUM accuracy. I have never opened any of these accounts. Please investigate and provide proof. If proof can't be provided I demand these accounts be removed from my credit report. Thanks.

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 2022-12-09
Company: EQUIFAX, 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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Paypal Holdings, Inc
State: CA
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 hope this message finds you well. I am writing to express my deep concern and frustration regarding the permanent limitation imposed on my PayPal account, associated with the email address XXXX. I firmly believe that this limitation has been placed in error and I have not violated any PayPal policies or engaged in any unauthorized activities. 

Firstly, I want to emphasize that I have been a loyal and responsible PayPal user for a considerable period of time. I have always conducted my transactions in accordance with PayPal 's terms and conditions, ensuring the security and integrity of the platform. Therefore, I am genuinely surprised and disheartened by the decision to permanently limit my account. 

I kindly request that PayPal re-investigate my case thoroughly, as I believe this action was taken without a clear understanding of my account activity. I am confident that upon careful review, it will become evident that there have been no policy violations or any actions that warrant the permanent limitation of my account. 

My PayPal account is not only essential for my personal financial management but also for various legitimate business and personal transactions. Its continued suspension is causing significant inconvenience and distress. Hence, I respectfully request that PayPal considers restoring my account, allowing me to resume normal activities. 

I am more than willing to provide any additional information or clarification that may be required during this re-investigation process. I am fully committed to abiding by PayPal 's policies and regulations and ensuring the security of all transactions conducted through my account. 

In conclusion, I kindly implore PayPal to reevaluate my case with an open mind and to promptly communicate the results of this review. Your assistance in resolving this matter would be greatly appreciated, as I look forward to a swift resolution that restores my access to my PayPal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Been trying to get three collections removed from my Equifax credit report for over four months now & they still wont remove the information from my credit report like XXXX and XXXX successfully did. One collection amount is {$73.00}. The second one is {$210.00}. & the third one is {$110.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: Associated Credit Services, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a call today from Associated Credit Services, Inc which I initially missed but subsequently returned on XX/XX/2018 at XXXX and interacted with a representative for 1min and 43sec during which the representative stated that the call was being recorded. I also record calls which I determine are potentially fraudulent because I am still dealing with the aftermath of my identity theft. I informed the representative that my identity had been compromised and therefore I was also recording the conversation for my own records. I also asked that Associated Credit Services , Inc. validate the alleged debt. I was interrupted by the representative who stated she did not consent to me recording the call. To which I responded if that was the case then I also did not consent to the call and that Associated Credit Services , Inc. cease and desist from calling me. XXXX XXXX XXXX XXXX XXXX states " An individual who is a party to either an in-person conversation or electronic communication, or who has the consent of one of the parties to the communication, can lawfully record it, unless the person is doing so for the purpose of committing a criminal or tortious act. '' As indicated in the attached recording I was only recording the conversation to protect my interests and not for the purposes of committing a criminal or totious act nor was I attempting to record the call in secret. My credit has already been severely damaged as a result of identity theft and as a result at the advice of my attorney I have recorded ALL interactions that involve debt collections in the event I need evidence for court that the collection agency is violating my rights under the FDCPA. Furthermore I am of the opinion that Associated Credit Services , Inc. asking for and recording my personal information over the phone is a privacy violation. I do not at feel comfortable sharing PII over the phone or it being recorded because I have no way have knowing who has access my PII, what security measures are put in place to prevent my PII from further compromise, what auditing procedures are in place to ensure only the personnel that needs access in order to perform their jobs has that access, and what processes/procedures are in place to permanently dispose of my PII while ensuring confidentiality.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: NM
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. 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: EQUIFAX, INC.
State: NC
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: Pittenger Law Group, LLC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Pettinger Law Group, llc XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Kansas XXXX. XXXX XXXX XXXX ( all ) Debt collection agency-attorney 's representing XXXX XXXX XXXX. These debt collector produced a fradulent service and affidavit to the court with out a full validation of media and original contract and purchase agreements with no signatures. Only to produce copies. The debt collectors filed fradulent service on me a natural lawful consumer in a Missouri State Court using deceit to manufacture a avenue to move forward in this court proceeding knowing they were not following the rules of the FCDPA 15 USC 1962. 
In response to the 3 debt collectors breach of contract claim and the 2 default judgment attempts attached it clearly shows that since XX/XX/XXXX in writing that fraud exist when plaintiff, original creditor, agents, and employee 's, debt collector 's which in fact are attorney 's have blatantly disregarded the rules of the FDCPA.

Company response to consumer: Closed with explanation