BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-29
Company: Professional Debt Mediation, Inc.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I moved out of XXXX XXXX apartments on XX/XX/XXXX and received a move out notice with remaining charges. The dates of the specific charges incurred were not clear to me or reflected a timeframe of the previous month. The previous month was already taken care of in the following months rent and utilities that I paid. It was confusing so I emailed back inquiring about an explanation of the charges just to make sure they were accurate. I never heard back ever since. I honestly assumed they reviewed it, and adjusted my account. Also I quite literally havent thought about any of this since I moved it. From then until now, end of XXXX. On XX/XX/25, I see that Ive been sent to collections. When I contacted the leasing office, the XXXX said she apologized as the lack of communication was probably due to XXXX, assistant property manager, leaving her position some time after sending my move out statement. I even disputed with XXXX XXXX but its still on my report. I have no problem paying but I dont want this on my report. Why should my credit have to suffer due to their failure to communicate? I never received a response to my email explaining the charges OR a phone call. Not a single attempt to contact me. This whole time, I didnt know I owed anything to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXXXXXX  there were six fraudulent charges made to my account totaling {$320.00}. I never received the PayPal debit card that was mailed out to replace the current one I have that is about to expire. It was stolen before I ever received it and used to to steal all the money in my Paypal account. I immediately canceled the card and filed a dispute with PayPal who did not respond until XX/XX/XXXX to deny my dispute and close them. I immediately refiled new disputes as I'm the victim of theft and fraud and my money needs to be refunded asap.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-23
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: Problem with personal statement of dispute

Complaint:
I have been back in forth with these companies for months now. the last letter I received back was on XX/XX/2023, and they are not telling me nothing on why they arent taking these fraudulent accts off of my profile. I have sent the bureaus police reports and letters explaining I was a victim of Identity theft and that these accts do not belong to me. There is a XXXX XXXX and a XXXX XXXX card that arent mine.

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 2022-06-12
Company: EQUIFAX, INC.
State: FL
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 following accounts have violated my federally protected consumer rights to privacy and confidentiality under USC 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 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. 1681 c. ( 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 crime which antedates the report by more than seven years. agency can not furnish a account without my written instructions.

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 2023-09-28
Company: SOUTHSTATE CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/, I received a paper payroll check in the amount of {$870.00} from XXXX XXXX XXXX XXXX ( XXXX XXXX  ). On that same day, I used mobile deposit to deposit the check into my bank ( South State Bank ). After the check was deposited, I discarded it in the trash without shredding it. 

Somewhere in between, someone took the check out of the trash, washed the check, and cashed it at XXXX XXXX  XXXX XXXX. 

On XX/XX/, XXXX XXXX  XXXX XXXX presented the check to my bank ( South State Bank ), and the funds were removed from my account. 

First, I called my bank. They explained what happened and advised me to call the XXXX XXXX  XXXX XXXX to dispute the cashing of the check. XXXX XXXX  told me to call my payroll to start a dispute. 

XXXX XXXX  ( my employer 's payroll ) said they could not file a dispute because they only have a record of my mobile deposit and advised me to call my bank to file a dispute. 

South State said they can not file a dispute because they do not have a physical copy of the check. 

No further advice has been given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Waypoint Resource Group, LLC
State: AL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
WAYPOINT RESOURCE GROUP, PUT A COLLECTION ON MY CREDIT REPORT THIS MORNING. I NEVER HEARD FROM THEM OR OF THEM, EVER RECEIVED A LETTER INFORMING OF THIS ALLEGED DEBT AND FURTHERMORE NEVER GAVE ME THE OPPORTUNITY TO DISPUTE, WHICH IF THEY HAD I WOULDVE BEEN ABLE TO LET THEM KNOW THIS IS RESULT OF IDENTITY THEFT. I HAVE ATTACHED THE IDENTITY THEFT REPORT, THE LETTER TO WAYPOINT RESOURCE GROUP AND THE NOTICE TO FURNISHER IN THIS COMPLAINT. 

All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

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 2023-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a capital one credit card. Capital One has been self serving. My interest has gone up to XXXX %. And I have a credit score over 700. I had set up auto pay for my account. I thought the auto pay would cover the minimum. Unfortunately, Capital One allows auto pay to be less than the minimum and I wasn't aware. My payment for XXXX drafted for less than the amount due. On top of sky high interest capital one charged me a {$40.00} dollar late fee. I did not know my payment drafted for less than the minimum amount due until I looked at the mobile app. I called capital one to explain that I was not aware the payment was drafted for less than the amount due. The agents were uncaring and did not offer to rebate the late fee. I've been a customer of capital one for many years. Why would they not be understanding and rebate the late fee? Especially when capital one is charging me sky high interest and I have a credit score that does not warrant this type of interest? 

Also capital one has told me different things in regard to credit reporting. I was told they don't report late to the credit bureaus unless a person is 30 days past due. Now tonight I spoke with an agent who said it's actually 30 days past the cycle date. So I'm confused on why the answers have shifted. 

I will be closing down this card once it is paid off. Capital one is self serving. 

I've decided to simply pay myself. And to leave credit alone. These cards are death traps. Capital one does not offer enough credit for anyone to really do anything with anyhow. They offer a few thousand and hit the person up with sky high interest and fees and it's not even worth it. For the paltry amount of the credit they have given me I might as well just keep an emergency fund. I understand I will take a hit to my credit when I shut down these cards because they are open trade lines but you know... to XXXX with with credit bureaus. If I have to be in debt to keep a good score I don't want a good score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-14
Company: Professional Credit Management, Inc
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This medical debt has been delete because they didnt provide me with the hipaa transcript and my hipaa rights was violated so this need to be deleted and Professional Credit Management is a debt buyer that bought this debt that has been deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am filing to express my vehement dissatisfaction with the presence of unauthorized accounts on my credit report, which I believe to be a result of identity theft. The accounts in question are creating unwarranted havoc on my financial standing, and I demand their immediate removal. CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I have undertaken the necessary steps to address this matter promptly, reporting the identity theft to relevant authorities and disputing these fraudulent accounts directly with the creditors. However, the lack of cooperation and information from both the creditors and your bureau is unacceptable. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

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: Premium Credit Bureau
State: NY
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:
XXXX Credit Report has inquires that Im unfamiliar with and recently my identity been used to apply for credit cards. I Will like listed inquiries to be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PREMIUM CREDIT BUREAU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance Owed : {$13000.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; ( Original Creditor : XXXX  ) XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
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:
XXXX Credit Report has inquires that Im unfamiliar with and recently my identity been used to apply for credit cards. I Will like listed inquiries to be removed from my credit report. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX FIFTH THIRD BANK Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXnquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX CXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX i sent a dispute letter regarding inaccurate information reporting on my credit file, i haven't received a response, on XX/XX/XXXX i sent my XXXX letter and never received a response, on XX/XX/XXXX i submitted a complaint and the company never provided me documentation or an update on my credit file, i have addresses this matter several times, on XX/XX/XXXX i sent my FTC Report and i still haven ; t received a response for2 years i been trying to get resolutions on the accounts that do 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 non-monetary relief
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX has violated my rights. 

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

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

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 2023-07-03
Company: EQUIFAX, 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 recently pulled my credit report only to find that there were accounts being reported illegally with XXXX, Equifax, and XXXX. They are in direct violation of 15 U.S. Code 1681s-2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-03
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 fair credit reporting act. The list of accounts below has value my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account names : XXXX XXXX XXXX XXXX account number : XXXX .XXXX XXXX account number XXXX. XXXX XXXX. Account numberXXXX.XXXX XXXX Account number XXXX. XXXX XXXX XXXXXXXX. XXXX Account number : XXXX XXXX XXXX account numberXXXX XXXX XXXX account number XXXX . Has violating my rights. 15 U.S.C 1681! Section 602 A states I have the right to privacy .15 U.S.C 1681605 A section 2 : it also states a consumer report, and she can not furnish 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, 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 report agency if the person knows or has reasonable call to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XXXX the XXXX, 2023. I have submitted a dispute with TransUnion LLC, and they completed the investigation on XX/XX/2023. I received a letter showing that the account was deleted from my credit report but since I have started reinvestigation with XXXX XXXX XXXX, the company decided to put the account back on my credit file with TransUnion without proof of validation debt. I dispute the validity of the debt mentioned on my credit report with TransUnion and I am requesting the following information : 1. ) Verification of the license to collect debt in my state of Georgia. 2. ) Copy of any agreements, contracts, or documents bearing my signature, validating my obligation to pay this debt. 3. ) Documentation confirming the existence and validity of the debt including the amount owned or any write-off that the original creditors may have done. I am requesting validation of this debt as per my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 UFC 1692g. FCRA Law Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, The furnisher subsequently reports that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). Section 605D of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within 4 business days and to promptly notify the furnisher ( s ) of that information. Please provide me with validation of this account as I requested in this letter or delete the account immediately.

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