BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items on XX/XX/XXXX, and XX/XX/XXXX, but the bureaus did not remove them, or prove validation. 
OXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-26
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have disputed with Experian multiple times a bankruptcy that is reporting on my consumer disclosure report. Their response has been that it is accurate and verified thru a 3rd party furnisher named XXXX. They have not provided any documentation or supporting evidence of this bankruptcy. XXXX does NOT have a bankruptcy reporting on my XXXX consumer report ( see report attached section 8, page 12 ). This is inaccurate and false reporting of a bankruptcy on my credit report. I have also contacted the noted court on my report and they stated they have not reported this item or any item to any bureau or data collector. How is this item being validated, verified, and proved???

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 2020-07-08
Company: Experian Information Solutions Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The following account is an result of fraud. XXXX XXXX XXXX   {$1100.00} XX/XX/2016 I have no knowledge of this account. I have tried to fix this with the company in question XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XXXX of XXXX, my main source of income went bankrupt due to COVID. I was able to pretty much stay afloat until late fall XXXX and early spring XXXX, when I ran into a bit of trouble. Id applied for a second PPP loan, which was delayed by at least four months. I expected it to arrive within a few weeks, like the first loan did. So I experienced a hiccup in income.

I contacted you CapitalOne and asked if there might be any payment arrangements that could be made due to COVID, and thankfully, CapitalOne very graciously worked with me. I got back on track.

I recently looked at my credit report and was shocked to see that my account was reported as late earlier this year for two months. These are the months when I believe Id communicated a payment arrangement. At no time did any representative indicate that adverse credit reports would accompany the COVID relief that Capital One provided. This feels very fraudulent. You can't offer someone help and not tell them that the account will be simultaneously reported to the credit bureaus. If I'd known this, I would not have accepted the offer of help, especially because I was being responsible! 

I wrote to CapitalOne directly to request the same action, but got back a form letter that just said, " the information is correct ''. 

I believe that Ive paid my account on time for XXXX percent of the 17 years that Ive been a Capital One customer. I even set up autopay to ensure that I always made my payments. If Ive ever had any other hiccups, its only because I changed my debit card and simply had to update the card on the autopay arrangement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-26
Company: JPMORGAN CHASE & CO.
State: OR
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 found a fraudulent charge on my Amazon Chase credit card in XXXX 2019. I only use this card for XXXX purchases. This charge was from a strange company out of XXXX called XXXX  XXXX and the purchase was for a {$480.00} vacuum cleaner. I called Chase immediately when I found this, disputed the claim, asked if I should close my account or get a different card number. They sent me a different card number. The representative said that the item was shipped to my business address, but only my physical address without the suite number. I stated I would never do that because I always include my suite number when I order anything to be delivered here. I am very shaken because I didn't purchase this item, and someone had my information enough to include my physical address, and used my email address but it went to spam so I didn't catch it. I asked if I should file a police report, she said no. She said that it will be taken care of. I got a letter in the mail today, saying that because " I received benefit from this transaction. '' that I was denied and now owe the {$480.00}. I would like guidance on how to go forward. When I go to the website of where this was purchased it is very sketchy. I'm not sure what to do or how to go forward and would love some guidance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: S & S Recovery, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
They called again today XX/XX/2018. Twice. After they called more than 3 times yesterday. Lied saying they were not a collection agency, But when I called the number back the automated greeting was XXXX XXXX XXXX XXXX.  They were rude and harassing. and I intend to look more into the legal laws about the calls. 1 man I spoke to even suggested they had gotten people fired for their the way they were talked to, and processed to threaten about finding the owners and contacting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: SC
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items on XX/XX/XXXX, and XX/XX/XXXX, but the bureaus did not remove them, or prove validation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XX/XX/18- on my desktop computer, I went to the XXXX website to pull my free credit reports for Equifax , XXXX & XXXX . I keyed in my information, name, SSN, birthdate, address. I was able to get a XXXX & XXXX credit report in my name. 

However my Equifax report was someone else 's report. The last 4 of his SSN did not match mine. I have all his credit information. I have his birthdate, his address and all his credit information. It does not appear to be a mixed file. That is not my information at all. 

I am upset that I have this information because if this has happened to me, who has seen my credit report? I called Equifax on Sunday @ XXXX. They told me to call back on Monday to a different department & gave me the number. The number was the main number and not a specific department ( I didn't realize this until I called it on Monday ). I call back on Monday XX/XX/2018 @ XXXX. I get XXXX in the XXXX. He said the systems are updating and that I have to call back in 30 minutes. I asked if Equifax had been breached and he said no. 

I call back 90 mins later ( @ XXXX ), I get another phone rep who repeats the same thing ( word for word ) that XXXX said earlier- the systems are updating. I ask to speak to the manager. She gets on the phone and states that they are experiencing an emergency system update. I asked again if they were breached and she said no. She said that I had to print this credit report out & snail mail it back to Equifax. Come again? I offered to provide the report confirmation number- but she didn't want that. She wanted my SSN, I did not get this information to her. 

I don't trust Equifax at this point. Is this known occurrence to get someone else 's credit report? The Equifax people I talked to did not seem concerned and that has made all of this worse. I am very upset my these events. I am increasingly worried about fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: EQUIFAX, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Tried To Send a Judgment from a court ordering that I am not legally responsible for an account and equifax system would not allow me to upload it for dispute is Confirmation number : XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Professional Debt Mediation, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was on rent relief. I got approved for rent relief and they sent this property XXXX check the property sent the check back to rent relief and now Im finding out I have XXXX on my credit!!! I contacted pdm to let them know this and they laugh. My credit isnt a game I cant move

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: Federal Adjustment Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My rental company kept my security deposit and also tried get more money out of me because they accused me of XXXX  XXXX  in my XXXX  although I never did and still do not XXXX. My neighbors on both sides of me XXXX. My apartment had no other damage or anything else that would warrant the fee. They never gave me my deposit back because of this falsehood and are trying to say I owe them more money. They owe me money being they never returned my deposit. This rental agency are 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 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-12-29
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citi bank closed my checking and saving account without any notification or communication, with a reason that I transferred funds from my wife 's bank account to the Citi saving account. Citi claimed that this was a " fraud '' and the system automatically closed my accounts. I contacted Citi 's customer service and fraud department numerous times, they were to provide any explanation why this was a fraud and unable to provide any help to resolve the issue. Citi 's action has resulted in the inaccessibility of a significant fund and losses in interests.

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 2022-12-29
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I submitted a complaint regarding Transunion 's failure to conduct a complete and thorough investigation and for their continued inaccurate reporting of a public record on my consumer profile ( see the attached complaint XXXX ). Transunion responded on XX/XX/XXXX, advising .the complaint was being forwarded to their consumer relations department for processing ; yet another example of Transunion 's willful violation of the Fair Credit Reporting Act ( FCRA ). Transunion has previously alleged this public record was VERIFIED on XX/XX/XXXX and XX/XX/XXXX ( see attachments ) Additionally, Transunion responded to a CFPB complaint submitted on XX/XX/XXXX for failing to disclose the verification process ; a violation of FCRA Section 611 ( a ) ( 7 ). Transunion even suggested they were NOT obligated to furnish such information ( see attachment ). 

*Transunion is in violation of FCRA Section 611. ( a ) ( 5 ) ( a ) ( ii ) .IIf the same public record that was allegedly verified on two occasions is being sent to consumer relations for the third time, the information  has been unverifiable since 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 explanation
Consumer complaint received 2023-07-14
Company: Paypal Holdings, Inc
State: ND
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Someone has gained access to all of my online accounts, including XXXX, I've called PayPal and given them my social and my license I even have my birth certificate but the lady said I'm not me because the social is different and hung up. Any cash that goes through it is used, the statement for my other account is obviously different because they think its a different account, I've not accessed that one in years, o have a substantial amount of money from a loan in it I can't touch and the company is going to try to prosecute, I have receipts of the money leaving my account and all I can do ask for help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
On XX/XX/2022, I received a text message stating that I had a low balance and a withdrawal was made of {$420.00}. I called the bank telling them it wasn't me then called back because my family needed that money for hardship in paying bills. I was denied due to the investigation they did which I know without a doubt it wasn't me or someone I know. My bank card was in my wallet. I woke up that morning to no money in the account. I have filed a police report as well hope whoever it was gets caught

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 monetary relief
Consumer complaint received 2022-10-17
Company: Maximus Education, LLC dba Aidvantage
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Due to financial hardship, I requested a refund of the payments I made during the Covid Emergency. I made payments every month, without fail, from the start of the pandemic through XX/XX/2022. It was late XX/XX/2022 I requested a refund. I have called frequently, even asking to speak with a supervisor, a request that was denied. It has now been 7 weeks. I call weekly and the process is still as opaque as it was at the start. I have creditors asking for timeline of payments to which I cant provide. I cant use my credit card to pay for school lunches or mortgage payments. 


Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: R & B Corporation of Virginia
State: VA
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:
I am writing to dispute multiple accounts that are fraudulent on my report for the countless number of times. I've asked numerous times to validate the debt which credit control XXXX  failed, The dispute has also been well over 30 days which is in violation according to 15 USC 1681i ( a ) ( 1 ) ( A ). Delete and remove all accounts listed immediately, I also require monetary relief of {$5000.00} for false and deceptive representations of me according to 15 U.S. Code 1692j ( a ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am a victim of identity theft, I did not make this/these charges or accounts. I've submitted multiple FTC identity theft affidavits which they have not responded to.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: BRite Financial Services, 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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation