BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-23
Company: Clear Recovery, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On Saturday XX/XX/XXXX I purchased a sofa from XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, CA XXXX for the amount of {$760.00}. It should be noted that XXXX XXXX XXXX is owned/operated by XXXX XXXX, XXXX. When I purchased the sofa the sales associate charged the purchase to my personal XXXX XXXX  Visa credit card and the sofa was later delivered to my house. I did not open an account with XXXX and I did not finance this sofa. The sofa was paid in full on my own XXXX XXXX  Visa credit card on an account I have had for years. I have the signed credit card receipt as well as a bank statement showing I was charged and completely paid for this sofa. A year and eight months later on Monday, XX/XX/XXXX, I received a notice in the mail dated XX/XX/XXXX from a " collections agency '' stating that I owe Stoneledge Furniture {$760.00}. This collections agency is Merchants Credit Adjusters , Inc. located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In the course of a year and eight months I was never contact by the XXXX XXXX XXXX in XXXX nor XXXX XXXX XXXX. If they had contacted me I would have provided documents demonstrating that the sofa was paid in full. I believe this is fraud on the part of either XXXX XXXX, XXXX XXXX, or Merchants Credit Adjusters to have me pay twice for an item that was already previously charged to my credit card and already paid in full. I argue that somewhere along the line either through an employee at the XXXX XXXX XXXX XXXX or at Merchants Credit Adjusters , Inc that my information was falsely used and they are trying to defraud me for an extra {$760.00}.

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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2023-06-15
Company: EQUIFAX, INC.
State: AR
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:
HI AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-08
Company: CITIBANK, N.A.
State: CT
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:
Since XXXX 2017 I 've been trying to resolve a dispute of {$2700.00}. My dispute has gone on deaf ears. I was charged {$2700.00} for a service that I 've never received. The company cancelled my service a couple days before The due date. They responded to the dispute credit card with a Copy of my signature on a contract that clearly stated if my XXXX was canceled by me they would keep {$100.00} of the money. Contract does not state what would happen if the surgeon canceled the XXXX. In my case the surgeon canceled the XXXX service. I did not cancel I was entitled to 100 % refund. Citi has not been helpful in my dispute. I Have sent several emails back-and-forth with the credit card company. including many calls. i was charged {$2700.00} by XXXX XXXX XXXX for a XXXX service that I never received and I 'm still required to pay. The credit card company is not crediting my account for that amount. Very same company named XXXX XXXX XXXX went ahead, without my permission and charge an additional {$100.00} of which I 'm also trying to dispute with the Credit card company and it still shows as processing. So far I 'm disputing two transactions that total {$2800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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:
Trans Union is reporting an inaccurate and inconsistent information in my credit report. I have disputed the inaccuracy on many occasions but Trans Union simply send me a letter that states account verified as accurate without providing me with the description of the procedure used to determine the accuracy and completeness of the information contained in my credit report as required by the FCRA. 
I have requested the description of the procedure used to determine the accuracy of this account from Trans Union on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX but have not received anything back at the time of filing this complaint. 

Trans Union is therefore in violation of 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) which states : a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available

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 2022-12-14
Company: DISCOVER BANK
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Discover bank has been harassing me via phone calls and mail regarding a debt I did not owe them. I do not have a signed consent with this company to use my name and social security and they have reported the debt to credit agencies. They have hired attorneys XXXX, XXXX XXXX XXXX XXXX, XXXX to sue me in a court of law for this debt in which I do not owe them. I requested they send proof of validity of debt and they were unable to provide me with a copy of any signed agreement to bank or use this company. This company is impersonating XXXX XXXX XXXX with Discover Card. I did not consent to this Discover Bank company to use my name and social security number and attempting to extradite me for a debt I do not owe them. Discover Bank has broken my consumer rights under the fair debt collection act. They have attempted to mislead me and have repeatedly attempted to collect a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: NV
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. 

Account name/Account # * XXXX XXXX XXXX XXXX ( Account # XXXX ) * XXXX XXXX ( Account # XXXX ) * XXXX XXXX XXXX ( Account # XXXX ) * XXXX XXXX Bankruptcy ( Ref # XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX * XXXX XXXX XXXX XXXX ( Account # XXXX ) * XXXX ( XXXX ) ( Account # XXXX ) * XXXX XXXX XXXX XXXX ( Account # XXXX XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) * XXXX XXXX XXXX ( Account # XXXX ) * Department of Education/ XXXX ( Account # XXXX ) * XXXX XXXX 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 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 2023-08-03
Company: Experian Information Solutions Inc.
State: NY
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 first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-01
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Charged the incorrect amount on XX/XX/23. Escrow statement dated XX/XX/23 says my new payment is {$1400.00}, effective XX/XX/23. I was charged {$2200.00} on XX/XX/23. Want the charge reversed and the correct charge effectuated. 

I called in no less than 4 times about this matter in advance and promised that I would be charged the correct amount. 

I've had to make a CFBP complaint 4 times now because Freedom makes so many mistakes and the folks there seem to be unable to manage my escrow account.

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 2023-01-25
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-01-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello. My address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, however, the credit reporting agencies have listed this address on my report. I would like this erroneous address to be removed from my report as soon as possible. Thank you

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 2023-09-28
Company: Aldridge PIte Haan, LLP
State: GA
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:
Alridge Pite Haan has garnished my wages. I am a XXXX parent. This law firm went ahead and garnished my wages for a debt without allowing me to settle thru a payment arrangement. As a result I am not able to pay my rent. I am a state employee and a XXXX  mother on very low income. I have made repeated attempts to both call their office and filled out a online payment settlement letter request form more than once. All attempts have been ignored. I emailed them this morning and they stated that someone would contact me. I then attempted to call their office six or seven times and left messages. I still haven't received any responses. This garnishment has placed me in a state of homelessness because I was unable to make my rental obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX 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 explanation
Consumer complaint received 2023-05-01
Company: Early Warning Services, LLC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Received a XXXX email saying my purchase was completed although I didnt make a purchase. When I called the number XXXX told me my IP address was public and I was scammed. She then told me to download, I believe XXXX, which I did and then go to Zelle. I made numerous transfers under the belief and instruction from here that I was doing the right thing. This occurred XXXX. The total amount was about {$14000.00}. I kept all of the emails, transactions and phone number to which I spoke. She then told me to go to 1 of a list of stores and call from the parking lot. When I did she told me to go inside and by 4 {$500.00} gift cards and give her the numbers on them. I told her she was scamming me and didnt by the cards. Upon arriving home she called again and said I cold get just 2 cards. I told her no and that I was going to contact the FBI. When I tried contacting the number again it was ( out of service ). I contacted my bank to try to get my money back but was told that because I voluntarily sent the Zelle transfers there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: GA
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2023-05-01
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:
Dear PayPal Customer Service, I am writing to submit a formal complaint regarding the permanent limitation of my PayPal account, which I believe has been placed by mistake. My PayPal account email address is XXXX. 

Firstly, I would like to state that I have not violated any PayPal policies, nor have I engaged in any activity that would warrant such a severe penalty. Therefore, I respectfully request that you re-investigate my case to confirm that this limitation was placed in error. 

Furthermore, I would like to emphasize that my PayPal account is crucial for conducting my personal and professional financial transactions. As such, the permanent limitation of my account has had a significant impact on my daily life and business operations. 

In light of the above, I humbly request that PayPal reconsiders its decision and restores my account to full functionality. I believe that a thorough review of my account activity will show that I have always adhered to PayPal 's policies and guidelines, and that there is no justification for the permanent limitation of my account. 

I would appreciate it if you could provide me with a prompt response to my appeal, as I am eager to resolve this matter as soon as possible. 

Thank you for your attention to this matter, and I look forward to hearing from you soon. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get 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 monetary relief
Consumer complaint received 2023-01-25
Company: Experian Information Solutions 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:
This is my NUMEROUS 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 ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} Date Opened : 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 2023-01-29
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The addresses listed in my credit report isnt accurate and theres a lot of hard inquiries on my report that I dont recognize

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