BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I applied for an auto loan and did not give permission or consent To ANY OF THESE PLACES!!! I have no idea why my credit was ran by these places!!!!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX were all on XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
XXXX  is a company that does payroll for another fraudulent company which is XXXX XXXX wisely charge me for a service they didnt provide they charged XXXX dollars against my card to have express shipment they I didnt get holding my money and the card leaving without access to my funds meanwhile this card comes through a job I no longer work for that doesnt report proper info to Maryland Labor or IRS on there workers they make you work for nothing or less then what was offered in signing up for the job this company has XXXX  XXXX  on the job XXXX  XXXX  XXXX  on the floors from XXXX that runs the store knows but removes all that he can steal from XXXX of Human Resources have you work off the clock stating she will put hours in that doesnt get put into the system while working they remove good workers and keep those they can manipulate this company owes me XXXX that they have not paid not trying to pay from fraud to XXXX  to ripping off customers this company along with card services needs to be shut down I will make this noted to the world do all in my power to take both XXXX  XXXX  XXXX XXXX  accountable for the fraud thats being provided something needs to be done about the XXXX XXXX XXXX XXXX, XXXX XXXX MD XXXX location and the financial company which is XXXX  they use both is committing fraud and stealing from the users of there employment and services!!!!!!!!!!!!! reporting them to all putting up fillers to get them exposed!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio Recovery has been calling for weeks about a debt my father supposedly owes that does not exist and they keep calling me. My father does not have debts and I dont owe any debts. I told them to stop harassing me but they keep calling me. They call me during my work hours when I am XXXX XXXX XXXX XXXX XXXX. This is unprofessional and unwarranted. They call from a different phone number each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Billing dispute for services

Complaint:
On XX/XX/2023 my Capital One Credit Cards ending in XXXX, XXXX, XXXX, and XXXX were all close due to a glitch on their end. I removed a bank account and closed it but Capital One continue to try and pull funds from the account although I added my XXXX XXXX XXXX account and they were receiving payments in full every month. 

I would like my accounts reopened immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, a person took out a personal loan in my name in the amount of about {$16000.00} from XXXX XXXX. I contacted the company and they confirmed it was not me and that I was victim of Identity Theft. I followed up with them several times. They finally sent me a letter dated XX/XX/XXXX. In the letter, they confirmed they would close the account in their system, contact the credit agencies to delete the trade-in from my credit report. They also confirmed it would be removed from my credit report since I had contacted them prior to requirement for payment. Since then, they have reported I am delinquent in the account to all ( 3 ) credit agencies. Experian, XXXX, and XXXX have now all reduced my credit score and reported to me that I am delinquent on this fraudulent account. This is not my account, I am a victim of Identity Theft and while promising to resolve the situation quickly, they have instead created more work for me to resolve the situation.

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 2023-11-25
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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: In progress
Consumer complaint received 2023-01-25
Company: U.S. BANCORP
State: SC
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:
Unauthorized credit inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nd XXXX The date is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
My name is XXXX XXXX on XXXX XXXX I got paid from my job and XX/XX/2022 part of my money was took out my bank account without my consent in the amount of XXXX $ from Capital one bank and I have sent documentation to to the bank and XXXX I sent it to XXXX because they went into my capital one account and stole my money and transferred it to XXXX and bought XXXX and did exchange it to whomever and I never authorized this for this to happen. I have tried to talk to XXXX and they keep sending me to different representatives that saying they can't help me and they ask me to send proof and I did that and now don't want to take my call.Capital one it's no update to whether I get my money back I have the disputed all XXXX of the transaction and also they tried to enter in my other bank account with XXXX but they was much more secure with my accounts and stop the fraudulent unlike Capital one

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX Z SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX TODAYS DATE:XXXX ENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX are reporting my account closed as of Apr XXXX and late payments for the entire tire i had the car which is inaccurate.and its showing charged off, so why i am still making payments on time over the last 18 months. i have tried to correct the issue with no results, they are causing me to become depressed and damaged my credit from getting anything.

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 2021-10-13
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: Information belongs to someone else

Complaint:
Please see FTC report attached to this complaint. Equifax and XXXX are both knowingly and continuously reporting fraudulent information on my credit report which is a violation of the Fair Credit Reporting Act. For whatever reason, they refuse to remove the collections I have already reported as fraudulent. The accounts in question are XXXX XXXX XXXX {$2200.00} opened XX/XX/2020 for both Equifax and XXXX and XXXX XXXX XXXX XXXX {$130.00} opened XX/XX/2020 for Equifax. Equifax has stated that they neglected to remove these fraudulent accounts simply because the account numbers were not present in the report. However, after including them in the report they are still refusing to remove said items from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Avant Holding Company, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Avant reported a balance that is incorrect to the credit bureaus as of XX/XX/2022. My statement closing date is the XXXX of each month. I made a payment that cleared and posted XX/XX/2022. That amount did not reflect on my credit report update which made it appear that I was using XXXX  % of my limit. I made contact with Avant on XX/XX/2022, advising them of this error to which they offered no answers for my questions. I asked how they could report an amount prior to the statement being generated. My available credit is not showing what it should show neither. I also asked how my balance was not updated after a payment cleared on the same day it was made. They could not offer answers. This account is hurting my usage. My statement end date is the XXXX. It reported on the XXXX. The only thing they stated was that the account was being escalated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: CCS Financial Services, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This service being Credit Collection Services contacted me back in mid XX/XX/XXXX and beginning of XXXX. With speaking to both myself and Spouse, we asked to contact through mail only. Creditor threatened to have my driving license blocked and wages possibly garnished. This creditor was advised debt was to be cleared due to inpatient stay and this expenses paid by Veterans Administration along with others, due to being a 100 % XXXX veteran and being inpatient for military injury. This debt is not owed by consumer. Payment was made to clear debt in XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
XX/XX/2022 inaccurately reported a 30 Day Late {$680.00} XXXXXXXX XXXX # XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-02-02
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, On XX/XX/XXXX I received XXXX USD on the PayPal, inc app. Shortly after I attempted to transfer the full XXXX USD to my bank account. This transfer to my bank account did not clear. On the same day XX/XX/XXXX I received an email stating I can no longer use PayPal and they would be holding the XXXX for 180 days. I called the company and indicated that it wasnt a merchant purchase and that the payment shouldnt be held for possible chargebacks. I also indicated that I am okay with the account being closed just please allow me to transfer the money to my bank account. They declined. I called back on several different occasions none of which I received any insight as to why the account was closed. I have been faithfully using PayPal, and I have never had any issues with chargebacks. Subsequently I was not able to attend XXXX semester of XXXX due to my payment being held.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: TX
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:
I received an invoice from XXXX for XXXX service of which I am a customer. 
At the top of the invoice : PRE-SCREEN AND OPT OUT NOTICE. I am being directed to OPT OUT of a service that I NEVER asked for with EXPERIAN. in order to do this you have to call Experian and the automated answering service requires a lot of confidential information just to opt out. SS number, address, date of birth, zip code, etc etc. it kept going on and on and I hung up. I do not want to give out my SS number and address and birth date on the phone in order to Opt OUT of a service that I NEVER ASKED FOR and did not OPT IN! This is a waste of my time, it requires you to give highly confidential information out to a computer, and asked for multiple verifications of your identity. NONE of this is an acceptable way to do business. 
Experian Opt Out XXXX XXXX XXXX XXXX, TX. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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 was reviewing my credit report that found a hard inquiry that does not belong to 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 2021-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have tried several times to resolve this issue with. I was initially promised that I would receive my refund from a representative by the name of XXXX on XX/XX/2021 ; she appeared to be sympathetic to my situation and since it had been my first tie ever submitting a request for a refund, she granted it. A day later, I received an email from her manager, XXXX who is a level 3 at XXXX on XX/XX/2021 ( please see attachment for reference ), that despite what XXXX said, it could not be approved due to the tracking number stating that it had been delivered. I repeatedly asked XXXX to listen to the phone conversation so that she could hear her employee XXXX, promise me that I would get my refund and that even though her supervisor had to sign off on it, her manager didnt necessarily have to approve the refund ; XXXX refused. I called back again on XX/XX/2021. I gave it some time and called back on 0XX/XX/XXXXat approximately XXXX and spoke with a representative by the name of XXXX XXXX XXXX contacted corporate on her end via email and XXXX told me that Corporate could overwrite their decision. I then contacted someone by the name of XXXX at the corporate on XXXXwho then gave me my case # XXXX. After being denied countless times, I went to the XXXX to see if they would be able to rectify the situation. Someone by the name of XXXX responded to me and stated that since I said I would reach out to an Attorney, he would no longer help me ; initially, I said I would reach out to an Attorney as a way to get them to help me in any kind of way. I explained to every single person at XXXX that at the time I was living at my previous address, you needed to have a key fob to access any level of the building unless its the XXXX level which has different businesses, our mailbox and the door to our leasing office ; if the leasing office is closed, even residents have to use their key fob to access the leasing office that gives us access to the gym, waiting area, packages and of course the leasing office. I received different emails from saying my order was delayed and they would email me once it would be shipped out, that same day, they said my order was delivered and allegedly signed for. Not once did I get my order, sign for anything, the leasing office wasnt open and refuses to refund my money back. 


TIMELINE FOR CORRESPONDENCES WITH : XXXX XX/XX/2021 ( XXXX is the one who reassured me as well as promised me that I would get my refund back from the order I didnt receive ) Hayden- ( Level 3 Manager via email on XX/XX/2021 ) Called again on XX/XX/2021 XXXX ( spoke with her twice. Contacted corporate on her end via email ) -Supervisor XX/XX/2021 XXXX XXXX XXXX XXXX from corporate said no to my refund via XXXX XXXXCorporate rep contacted XX/XX/2021 gave me my XXXX case XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I have submitted numerous complaints to the XXXX credit bureaus indicating the numerous errors being reported on my consumer reports. They all claim that they have verified that all information being reported is accurate. However, this is not the case. I am now in a position where I am unable to secure employment, buy a house, and Im unable to build up my business all due to the credit bureaus refusal to report accurately. Please remove all negative and inaccurate information in my reports. This whole situation is ruining the quality of my life and my familys. Please see attachments. The attachments display all inaccuracies and unverified information. I am not requesting any more investigations, I want everything deleted from my reports that is negative and inaccurate. Do not investigate! Delete this sh! t now!

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