BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit 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:
Electrical work service completed on XX/XX/XXXX, deposit of {$2500.00} paid on XX/XX/XXXX and {$5000.00} payment towards paid-in-full invoice paid XX/XX/XXXX - partial payments made with Capital One credit card. 

XX/XX/XXXX - Electrician company mailed a letter that the work was incomplete and permit was still opened. I called the City of XXXX to confirm the open permit and received the Inspection Report- the electrical work failed inspection XXXX times : XX/XX/XXXX, XXXX/XXXX/XXXX and XX/XX/XXXX. 

Demand Letter sent to Merchant on XX/XX/XXXX, Second Notice Demand Letter sent to Merchant on XX/XX/XXXX, and Final Formal Demand for Documentation and Resolution sent to Merchant on XX/XX/XXXX. Initial Demand Letter requested a response from the Merchant to the demand for refund within 30 days due to incomplete and unsatisfactory nature of work, the inconvenience I have experienced due to the delayed completion, and the expenses incurred as a result of the failed inspections. Merchant did not provide a response that addressed the demand for refund by the deadline of XX/XX/XXXX. 

Contacted Captial One on XX/XX/XXXX file a chargeback claim for both credit card charges of {$2500.00} and {$5000.00}. Both claims were not processed due to different reasons for both claims even though they were in the same timeframe and for the same electrical service completed on XX/XX/XXXX. Captial One was stating that a photo of returned materials to the merchant was needed and the cases were closed - a photo of electrical services can not show how services are used to repair breaker boxes. I explained to Capital One that I was not aware of the incomplete electrical work services that I paid for until XX/XX/XXXX when the electrician company mailed me a letter about the permit still being open. I contacted the merchant via demand letter sent on XX/XX/XXXX with a 30-day deadline to process the refund before filing the chargeback with Capital One on XX/XX/XXXX. I escalated both claims with a manager of the Dispute & Claims department.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-15
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
Hi my name is XXXX XXXX I am the owner of my Venmo acct, with routing numberXXXX ; an account number:XXXX. My account was frozen for zero reason an no explanation given. I tried calling, emailing, ect .... Still no REASON as to why my funds are frozen. I been a member over a year with averified account, an then this happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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: Information belongs to someone else

Complaint:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX ( Bank ) : XX/XX/XXXX : XXXX XXXX ( Bank ) : XX/XX/XXXX : XXXX XXXX ( Bank ) : XX/XX/XXXX : FXXXX XXXX XXXX  ( Bank ) : XX/XX/XXXX : XXXX ( Finance ) : XX/XX/XXXX : XXXX XXXX XXXX ( Bank ) : XX/XX/XXXX : XXXX XXXX XXXX  ( Bank ) : XX/XX/XXXX : XXXX  XXXX ( Bank ) : XX/XX/XXXX : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: EQUIFAX, 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:
There are several accounts reporting inaccurately on my credit report file. The following accounts are reporting inaccurately : Incorrect Address : XXXX XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX XXXX XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX XXXX ( Equifax ) Incorrect Address : XXXX XXXX  ( Equifax ) Incorrect Name : XXXX XXXX ( Equifax ) The following accounts status is reporting inaccurate. I was never late on the following accounts : XXXX XXXX XXXX Opened XX/XX/XXXX Bal. {$360.00} ( I was never 30 days late ) XXXX XXXX Opened XX/XX/XXXX Bal. XXXX ( I was never 30 days late ) The following inquiries were not authorized by me : XXXX XXXX XXXX XXXX 2 TIMES XXXX XXXX XXXX 2 TIMES XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no idea who these people are. I have never contracted with this company. It's all fraud. A company called Helvey and Associates item # XXXX have been reporting false claims to the credit bureau knowingly that I've never heard of them until my credit report. This company and XXXX XXXX   are both reporting false information to hinder me from obtaining credit. {$130.00} and it appears to be the same items masquerading as accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
On my TransUnion credit report theres a collection from XXXX XXXX XXXX for the amount $ Ive contacted this collector multiple times and they keep saying they dont see any debt. 
On my credit report by TransUnion the only available information of this debt is the phone number but there no name of the collector. Every time I call trans union their response is we only report the data I log into all my credit monitoring accounts and on my trans union its all the same an amount owed, but theres no name under collector, where it say company name it simply says collection Ive called the number listed at XXXX times gave my name an social but they can never find this debt. Trans union isnt verified information and listing it properly.

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 2022-11-07
Company: Spero Solutions, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Ive been paying XXXX  or XXXX  XXXX for about 2 years now and just found out it is a scam company! I am trying to get my money back! There is no contact number and the XXXX  cant help because they said no information on file.

Company response to consumer: Untimely response
Consumer complaint received 2020-06-09
Company: Experian Information Solutions Inc.
State: MD
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 XXXXXXXX ( XXXX ) reported my XXXX mortgage payment to the credit bureaus are being late in spite of them cashing the mortgage check ( electronically ) from my bank ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX and after receiving my payment dispute on from my previous complaint on XX/XX/XXXX. According to the CFPB guidelines XXXX is required to suppress the reporting the of the loan and payment information on the credit profile for a period of 60 days. They misreported my XXXX payment at the beginning of XXXX. See attachments. 

Previous complaint information attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
My identity has been compromised and reported. The aftermath of this has left me with unknown and unauthorized accounts reporting to my credit file. I've previously requested a Method of Verification and physical documentation for these accounts but never received anything. Again I'm demanding that these unauthorized accounts be removed and blocked from my credit file. 

1 ) XXXX {$1100.00} 2 ) XXXX XXXX XXXX XXXX {$420.00} 3 ) XXXX XXXX  XXXX {$240.00} 4 ) US Dept of Education {$4300.00} 5 ) US Dept of Education {$7500.00} 6 ) US Dept of Education {$0.00} 7 ) US Dept of Education {$0.00} 8 ) XXXX XXXX   XXXX XXXX {$21000.00} 9 ) XXXX Formerly 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 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
In accordance with the Fair Credit reporting act XXXX XXXX XXXX has violated rights. XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A states that 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 any 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 2022-03-08
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Back in XXXX I started the home mortgage application with Navy Federal after going under contract with the sell of my prior home that was also financed with Navy Federal. My home sale date was quickly approaching so I got a preapproval and submitted all my documents over to the credit union right away. After multiple follow up on my part and my agent I was told that if any issues arise before my XX/XX/XXXX closing date I would be contact well in advance. On closing day the everybody is prepared to close we are just waiting on closing instructions. That same representative who told me she would contact me if any issues arise would be the reason Im still without a home while she refused to admit her failure to provide a service for the customer. Here I was on closing day being told she not sure what happen. The rep had not referred my file over to processing so here I am without a home for the foreseeable future. Upset I took to social media to voice my displeasure which caused the rep to stop caring about the file all together. I was under the impression that I had been paired with a bad rep but the longer I continue in this process. I find Navy federal lack leadership. After multiple request from that reps supervisor I never received a call or email. I have sent emails to Navy Federal CEO XXXX XXXX with no response from her office either. I am in danger of losing the home which I did everything to secure because of navy federal negligence. I was forced to come out of pocket for a place and me and my belongings and when everybody at navy federal goes home after a long day I am still being forced to figure it out because of the negligence on Navy Federals part. It is a crime that this are the people who protect service members finances and secure home loan. How can a company provide sure poor quality service to the very people that protect them. I am still without a home I have to complain on social media to get a call with updates I have never had such bad service in my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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: Information belongs to someone else

Complaint:
This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$88.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$860.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 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.

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 2020-10-13
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
To whom this may concern, I recently sold merchandise through XXXX on XX/XX/XXXX to a customer for the amount of {$150.00}. She paid via PayPal using her checking account. The funds were held by either bank or PayPal until they would clear. We waited a week and the funds would not clear as stated in the PayPal invoice which was XX/XX/XXXX, the date kept moving up the date and we decided to do a separate transaction that went through fine. Well, PayPal did not release the funds to this lady and keeps moving the date since she had a case opened. They told her she had lost her money. I told her that if they deposit the money in my account or release the funds, I would be honest and refund her but I could not at the moment because I did not have the funds yet. They refunded the money yesterday XX/XX/XXXX and refunded her the money back. Well paypal took the money from my paypal account today and debited the same amount also from my checking account.I paid this amount twice and I am out the merchandise too. I can not get a hold of PayPal and I am tired of these business practices. I need this money they took from me and so does my customer. They need to make it right and stop giving us the run around for a month. We use PayPal for our business and it makes our business look bad. Can anyone please help us?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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. 

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 has violated my rights. Or list of inquiries 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 2020-06-09
Company: CCS Financial Services, Inc.
State: PA
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 two complaints surrounding CBRs and scoring. My phone number is XXXX. I am an industry veteran and I beg to have an audience with anyone that will listen. 

Complaint # 1 : I have paid every bill of mine on time for the last 24 months. I have recently lowered my credit utilization, yet my score drops 25 points. How can a random company have so much say over my financial future, while i am on time with all of my bills. The only thing I have done in the last 60 days was dispute several accounts, how does that lower my score? 

Complaint # 2 : I have several debt collectors reporting that I was delinquent. They are doing this to be fair, they are doing this so they can use this as a weapon! I never got the positive reporting when the debt was current, why now then are they allowed to report it in the negative. This is not fair, and is an example of why UDAAP was created. it was crated to protect individuals like myself from unfair and deceptive practices! 

I am in the industry, collection agencies report to the credit report for one reason only, to use it as leverage! if the original creditor did not report the account, then the agency they sold the account to, or placed the account with should not be allowed to report it! If we are not going to get the good credit, it is not fair that we get the bad credit as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation